The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$22,540
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,241
−HK$712/mo
Today · 4.125%
HK$23,953
baseline
▲ 0.50% · 4.625%
HK$25,410
+HK$1,457/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,906/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,075
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,748
−HK$682/mo
Today · 4.125%
HK$26,430
baseline
▲ 0.50% · 4.625%
HK$27,823
+HK$1,393/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,860/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,047
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,889
−HK$855/mo
Today · 4.125%
HK$28,744
baseline
▲ 0.50% · 4.625%
HK$30,493
+HK$1,749/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,488/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,090
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,897
−HK$819/mo
Today · 4.125%
HK$31,716
baseline
▲ 0.50% · 4.625%
HK$33,388
+HK$1,672/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,432/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,555
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,537
−HK$997/mo
Today · 4.125%
HK$33,534
baseline
▲ 0.50% · 4.625%
HK$35,575
+HK$2,041/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,068/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,105
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,047
−HK$955/mo
Today · 4.125%
HK$37,002
baseline
▲ 0.50% · 4.625%
HK$38,952
+HK$1,950/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$74,004/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,571
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,833
−HK$1,282/mo
Today · 4.125%
HK$43,115
baseline
▲ 0.50% · 4.625%
HK$45,739
+HK$2,624/mo
Deposit HK$988K · loan HK$8.90M · min. income ≈ HK$86,230/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,135
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,346
−HK$1,228/mo
Today · 4.125%
HK$47,574
baseline
▲ 0.50% · 4.625%
HK$50,081
+HK$2,507/mo
Deposit HK$988K · loan HK$8.90M · min. income ≈ HK$95,148/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,467 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).