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$22,536
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,237
−HK$712/mo
Today · 4.125%
HK$23,949
baseline
▲ 0.50% · 4.625%
HK$25,407
+HK$1,458/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,898/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,071
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,744
−HK$682/mo
Today · 4.125%
HK$26,426
baseline
▲ 0.50% · 4.625%
HK$27,819
+HK$1,393/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,852/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,043
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,885
−HK$854/mo
Today · 4.125%
HK$28,739
baseline
▲ 0.50% · 4.625%
HK$30,488
+HK$1,749/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,478/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,086
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,892
−HK$819/mo
Today · 4.125%
HK$31,711
baseline
▲ 0.50% · 4.625%
HK$33,383
+HK$1,672/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,422/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,551
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,532
−HK$997/mo
Today · 4.125%
HK$33,529
baseline
▲ 0.50% · 4.625%
HK$35,569
+HK$2,040/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$67,058/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,100
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,041
−HK$955/mo
Today · 4.125%
HK$36,996
baseline
▲ 0.50% · 4.625%
HK$38,946
+HK$1,950/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$73,992/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,565
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,827
−HK$1,282/mo
Today · 4.125%
HK$43,109
baseline
▲ 0.50% · 4.625%
HK$45,732
+HK$2,623/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,218/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,128
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,339
−HK$1,228/mo
Today · 4.125%
HK$47,567
baseline
▲ 0.50% · 4.625%
HK$50,074
+HK$2,507/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,134/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,320 · 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).