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$22,514
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,214
−HK$712/mo
Today · 4.125%
HK$23,926
baseline
▲ 0.50% · 4.625%
HK$25,381
+HK$1,455/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,852/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$357,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,046
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,718
−HK$682/mo
Today · 4.125%
HK$26,400
baseline
▲ 0.50% · 4.625%
HK$27,791
+HK$1,391/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,800/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$357,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,017
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,857
−HK$854/mo
Today · 4.125%
HK$28,711
baseline
▲ 0.50% · 4.625%
HK$30,458
+HK$1,747/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,422/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,056
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,862
−HK$817/mo
Today · 4.125%
HK$31,679
baseline
▲ 0.50% · 4.625%
HK$33,349
+HK$1,670/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,358/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,519
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,500
−HK$996/mo
Today · 4.125%
HK$33,496
baseline
▲ 0.50% · 4.625%
HK$35,534
+HK$2,038/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,992/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,065
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$36,005
−HK$954/mo
Today · 4.125%
HK$36,959
baseline
▲ 0.50% · 4.625%
HK$38,908
+HK$1,949/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,918/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,525
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,785
−HK$1,281/mo
Today · 4.125%
HK$43,066
baseline
▲ 0.50% · 4.625%
HK$45,687
+HK$2,621/mo
Deposit HK$987K · loan HK$8.89M · min. income ≈ HK$86,132/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$357,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,083
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,293
−HK$1,226/mo
Today · 4.125%
HK$47,519
baseline
▲ 0.50% · 4.625%
HK$50,024
+HK$2,505/mo
Deposit HK$987K · loan HK$8.89M · min. income ≈ HK$95,038/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$357,336 · 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).