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$22,530
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,231
−HK$712/mo
Today · 4.125%
HK$23,943
baseline
▲ 0.50% · 4.625%
HK$25,400
+HK$1,457/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,886/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,064
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,737
−HK$682/mo
Today · 4.125%
HK$26,419
baseline
▲ 0.50% · 4.625%
HK$27,811
+HK$1,392/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,838/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,036
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,877
−HK$854/mo
Today · 4.125%
HK$28,731
baseline
▲ 0.50% · 4.625%
HK$30,480
+HK$1,749/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,462/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,077
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,884
−HK$818/mo
Today · 4.125%
HK$31,702
baseline
▲ 0.50% · 4.625%
HK$33,373
+HK$1,671/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,404/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,542
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,523
−HK$997/mo
Today · 4.125%
HK$33,520
baseline
▲ 0.50% · 4.625%
HK$35,560
+HK$2,040/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$67,040/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,090
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,031
−HK$955/mo
Today · 4.125%
HK$36,986
baseline
▲ 0.50% · 4.625%
HK$38,936
+HK$1,950/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$73,972/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,554
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,816
−HK$1,281/mo
Today · 4.125%
HK$43,097
baseline
▲ 0.50% · 4.625%
HK$45,720
+HK$2,623/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,194/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,116
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,326
−HK$1,228/mo
Today · 4.125%
HK$47,554
baseline
▲ 0.50% · 4.625%
HK$50,060
+HK$2,506/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,108/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,050 · 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).