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$22,536
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,237
−HK$712/mo
Today · 4.125%
HK$23,949
baseline
▲ 0.50% · 4.625%
HK$25,406
+HK$1,457/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,898/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,071
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,743
−HK$682/mo
Today · 4.125%
HK$26,425
baseline
▲ 0.50% · 4.625%
HK$27,818
+HK$1,393/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,850/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,043
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,884
−HK$855/mo
Today · 4.125%
HK$28,739
baseline
▲ 0.50% · 4.625%
HK$30,487
+HK$1,748/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,478/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,085
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,892
−HK$818/mo
Today · 4.125%
HK$31,710
baseline
▲ 0.50% · 4.625%
HK$33,382
+HK$1,672/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,420/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,550
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,532
−HK$997/mo
Today · 4.125%
HK$33,529
baseline
▲ 0.50% · 4.625%
HK$35,569
+HK$2,040/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$67,058/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,099
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,041
−HK$954/mo
Today · 4.125%
HK$36,995
baseline
▲ 0.50% · 4.625%
HK$38,946
+HK$1,951/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$73,990/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,564
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,826
−HK$1,282/mo
Today · 4.125%
HK$43,108
baseline
▲ 0.50% · 4.625%
HK$45,731
+HK$2,623/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,216/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,128
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,338
−HK$1,228/mo
Today · 4.125%
HK$47,566
baseline
▲ 0.50% · 4.625%
HK$50,073
+HK$2,507/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,132/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,302 · 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).