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$22,506
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,206
−HK$712/mo
Today · 4.125%
HK$23,918
baseline
▲ 0.50% · 4.625%
HK$25,373
+HK$1,455/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,836/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$357,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,038
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,709
−HK$682/mo
Today · 4.125%
HK$26,391
baseline
▲ 0.50% · 4.625%
HK$27,782
+HK$1,391/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,782/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$357,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,007
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,848
−HK$853/mo
Today · 4.125%
HK$28,701
baseline
▲ 0.50% · 4.625%
HK$30,447
+HK$1,746/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,402/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,045
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,851
−HK$818/mo
Today · 4.125%
HK$31,669
baseline
▲ 0.50% · 4.625%
HK$33,338
+HK$1,669/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,338/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,509
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,489
−HK$996/mo
Today · 4.125%
HK$33,485
baseline
▲ 0.50% · 4.625%
HK$35,522
+HK$2,037/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,970/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,053
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,993
−HK$954/mo
Today · 4.125%
HK$36,947
baseline
▲ 0.50% · 4.625%
HK$38,894
+HK$1,947/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,894/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,511
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,771
−HK$1,281/mo
Today · 4.125%
HK$43,052
baseline
▲ 0.50% · 4.625%
HK$45,671
+HK$2,619/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$86,104/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$357,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,068
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,277
−HK$1,226/mo
Today · 4.125%
HK$47,503
baseline
▲ 0.50% · 4.625%
HK$50,007
+HK$2,504/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$95,006/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$357,003 · 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).