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$22,534
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,235
−HK$712/mo
Today · 4.125%
HK$23,947
baseline
▲ 0.50% · 4.625%
HK$25,404
+HK$1,457/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,894/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,069
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,741
−HK$683/mo
Today · 4.125%
HK$26,424
baseline
▲ 0.50% · 4.625%
HK$27,816
+HK$1,392/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,848/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,041
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,882
−HK$855/mo
Today · 4.125%
HK$28,737
baseline
▲ 0.50% · 4.625%
HK$30,485
+HK$1,748/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,474/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,083
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,890
−HK$818/mo
Today · 4.125%
HK$31,708
baseline
▲ 0.50% · 4.625%
HK$33,380
+HK$1,672/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,416/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,548
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,529
−HK$997/mo
Today · 4.125%
HK$33,526
baseline
▲ 0.50% · 4.625%
HK$35,566
+HK$2,040/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$67,052/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,097
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,038
−HK$955/mo
Today · 4.125%
HK$36,993
baseline
▲ 0.50% · 4.625%
HK$38,943
+HK$1,950/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$73,986/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,562
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,823
−HK$1,282/mo
Today · 4.125%
HK$43,105
baseline
▲ 0.50% · 4.625%
HK$45,728
+HK$2,623/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,210/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,124
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,335
−HK$1,227/mo
Today · 4.125%
HK$47,562
baseline
▲ 0.50% · 4.625%
HK$50,069
+HK$2,507/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,124/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,234 · 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).