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$22,542
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,243
−HK$713/mo
Today · 4.125%
HK$23,956
baseline
▲ 0.50% · 4.625%
HK$25,413
+HK$1,457/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,912/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,078
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,751
−HK$682/mo
Today · 4.125%
HK$26,433
baseline
▲ 0.50% · 4.625%
HK$27,826
+HK$1,393/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,866/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,051
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,892
−HK$855/mo
Today · 4.125%
HK$28,747
baseline
▲ 0.50% · 4.625%
HK$30,496
+HK$1,749/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,494/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,094
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,901
−HK$818/mo
Today · 4.125%
HK$31,719
baseline
▲ 0.50% · 4.625%
HK$33,391
+HK$1,672/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,438/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,559
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,541
−HK$997/mo
Today · 4.125%
HK$33,538
baseline
▲ 0.50% · 4.625%
HK$35,579
+HK$2,041/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,076/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,109
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,051
−HK$955/mo
Today · 4.125%
HK$37,006
baseline
▲ 0.50% · 4.625%
HK$38,957
+HK$1,951/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$74,012/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,576
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,838
−HK$1,283/mo
Today · 4.125%
HK$43,121
baseline
▲ 0.50% · 4.625%
HK$45,744
+HK$2,623/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,242/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,140
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,351
−HK$1,228/mo
Today · 4.125%
HK$47,579
baseline
▲ 0.50% · 4.625%
HK$50,087
+HK$2,508/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,158/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,584 · 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).