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$22,548
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,250
−HK$712/mo
Today · 4.125%
HK$23,962
baseline
▲ 0.50% · 4.625%
HK$25,420
+HK$1,458/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,924/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,085
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,757
−HK$683/mo
Today · 4.125%
HK$26,440
baseline
▲ 0.50% · 4.625%
HK$27,834
+HK$1,394/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,880/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,058
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,899
−HK$856/mo
Today · 4.125%
HK$28,755
baseline
▲ 0.50% · 4.625%
HK$30,504
+HK$1,749/mo
Deposit HK$3.96M · loan HK$5.93M · min. income ≈ HK$57,510/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,102
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,909
−HK$819/mo
Today · 4.125%
HK$31,728
baseline
▲ 0.50% · 4.625%
HK$33,400
+HK$1,672/mo
Deposit HK$3.96M · loan HK$5.93M · min. income ≈ HK$63,456/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,567
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,549
−HK$998/mo
Today · 4.125%
HK$33,547
baseline
▲ 0.50% · 4.625%
HK$35,588
+HK$2,041/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,094/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$358,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,118
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,060
−HK$956/mo
Today · 4.125%
HK$37,016
baseline
▲ 0.50% · 4.625%
HK$38,967
+HK$1,951/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$74,032/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$358,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,587
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,849
−HK$1,283/mo
Today · 4.125%
HK$43,132
baseline
▲ 0.50% · 4.625%
HK$45,756
+HK$2,624/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,264/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,152
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,363
−HK$1,229/mo
Today · 4.125%
HK$47,592
baseline
▲ 0.50% · 4.625%
HK$50,100
+HK$2,508/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,184/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,845 · 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).