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$22,526
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,226
−HK$712/mo
Today · 4.125%
HK$23,938
baseline
▲ 0.50% · 4.625%
HK$25,395
+HK$1,457/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,876/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,060
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,732
−HK$682/mo
Today · 4.125%
HK$26,414
baseline
▲ 0.50% · 4.625%
HK$27,806
+HK$1,392/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,828/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,031
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,872
−HK$854/mo
Today · 4.125%
HK$28,726
baseline
▲ 0.50% · 4.625%
HK$30,474
+HK$1,748/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,452/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,072
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,878
−HK$818/mo
Today · 4.125%
HK$31,696
baseline
▲ 0.50% · 4.625%
HK$33,367
+HK$1,671/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,392/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,536
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,517
−HK$997/mo
Today · 4.125%
HK$33,514
baseline
▲ 0.50% · 4.625%
HK$35,553
+HK$2,039/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$67,028/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,084
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,025
−HK$954/mo
Today · 4.125%
HK$36,979
baseline
▲ 0.50% · 4.625%
HK$38,928
+HK$1,949/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$73,958/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,546
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,808
−HK$1,281/mo
Today · 4.125%
HK$43,089
baseline
▲ 0.50% · 4.625%
HK$45,711
+HK$2,622/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,178/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,107
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,317
−HK$1,227/mo
Today · 4.125%
HK$47,544
baseline
▲ 0.50% · 4.625%
HK$50,051
+HK$2,507/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,088/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,862 · 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).