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$22,538
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,239
−HK$712/mo
Today · 4.125%
HK$23,951
baseline
▲ 0.50% · 4.625%
HK$25,408
+HK$1,457/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,902/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,073
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,745
−HK$682/mo
Today · 4.125%
HK$26,427
baseline
▲ 0.50% · 4.625%
HK$27,820
+HK$1,393/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,854/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,045
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,886
−HK$855/mo
Today · 4.125%
HK$28,741
baseline
▲ 0.50% · 4.625%
HK$30,490
+HK$1,749/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,482/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,087
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,894
−HK$819/mo
Today · 4.125%
HK$31,713
baseline
▲ 0.50% · 4.625%
HK$33,384
+HK$1,671/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,426/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,553
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,534
−HK$997/mo
Today · 4.125%
HK$33,531
baseline
▲ 0.50% · 4.625%
HK$35,571
+HK$2,040/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,062/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,102
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,043
−HK$955/mo
Today · 4.125%
HK$36,998
baseline
▲ 0.50% · 4.625%
HK$38,949
+HK$1,951/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$73,996/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,568
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,829
−HK$1,283/mo
Today · 4.125%
HK$43,112
baseline
▲ 0.50% · 4.625%
HK$45,735
+HK$2,623/mo
Deposit HK$988K · loan HK$8.90M · min. income ≈ HK$86,224/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,131
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,341
−HK$1,228/mo
Today · 4.125%
HK$47,569
baseline
▲ 0.50% · 4.625%
HK$50,077
+HK$2,508/mo
Deposit HK$988K · loan HK$8.90M · min. income ≈ HK$95,138/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,378 · 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).