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$22,520
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,221
−HK$711/mo
Today · 4.125%
HK$23,932
baseline
▲ 0.50% · 4.625%
HK$25,389
+HK$1,457/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,864/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,053
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,725
−HK$682/mo
Today · 4.125%
HK$26,407
baseline
▲ 0.50% · 4.625%
HK$27,799
+HK$1,392/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,814/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,024
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,865
−HK$854/mo
Today · 4.125%
HK$28,719
baseline
▲ 0.50% · 4.625%
HK$30,466
+HK$1,747/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,438/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,064
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,870
−HK$818/mo
Today · 4.125%
HK$31,688
baseline
▲ 0.50% · 4.625%
HK$33,359
+HK$1,671/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,376/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,528
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,509
−HK$996/mo
Today · 4.125%
HK$33,505
baseline
▲ 0.50% · 4.625%
HK$35,544
+HK$2,039/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$67,010/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,075
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,016
−HK$954/mo
Today · 4.125%
HK$36,970
baseline
▲ 0.50% · 4.625%
HK$38,919
+HK$1,949/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,940/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,536
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,797
−HK$1,281/mo
Today · 4.125%
HK$43,078
baseline
▲ 0.50% · 4.625%
HK$45,699
+HK$2,621/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,156/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,096
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,306
−HK$1,227/mo
Today · 4.125%
HK$47,533
baseline
▲ 0.50% · 4.625%
HK$50,038
+HK$2,505/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,066/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,615 · 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).