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$22,541
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,243
−HK$712/mo
Today · 4.125%
HK$23,955
baseline
▲ 0.50% · 4.625%
HK$25,413
+HK$1,458/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,910/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,077
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,750
−HK$682/mo
Today · 4.125%
HK$26,432
baseline
▲ 0.50% · 4.625%
HK$27,825
+HK$1,393/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,864/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,050
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,891
−HK$855/mo
Today · 4.125%
HK$28,746
baseline
▲ 0.50% · 4.625%
HK$30,495
+HK$1,749/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,492/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,093
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,900
−HK$818/mo
Today · 4.125%
HK$31,718
baseline
▲ 0.50% · 4.625%
HK$33,390
+HK$1,672/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,436/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,558
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,540
−HK$997/mo
Today · 4.125%
HK$33,537
baseline
▲ 0.50% · 4.625%
HK$35,578
+HK$2,041/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,074/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,108
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,049
−HK$956/mo
Today · 4.125%
HK$37,005
baseline
▲ 0.50% · 4.625%
HK$38,955
+HK$1,950/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$74,010/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,575
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,837
−HK$1,282/mo
Today · 4.125%
HK$43,119
baseline
▲ 0.50% · 4.625%
HK$45,743
+HK$2,624/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,238/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,139
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,349
−HK$1,228/mo
Today · 4.125%
HK$47,577
baseline
▲ 0.50% · 4.625%
HK$50,085
+HK$2,508/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,154/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,547 · 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).