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$22,541
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,242
−HK$712/mo
Today · 4.125%
HK$23,954
baseline
▲ 0.50% · 4.625%
HK$25,412
+HK$1,458/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,908/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,076
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,749
−HK$682/mo
Today · 4.125%
HK$26,431
baseline
▲ 0.50% · 4.625%
HK$27,824
+HK$1,393/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,862/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,049
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,890
−HK$855/mo
Today · 4.125%
HK$28,745
baseline
▲ 0.50% · 4.625%
HK$30,494
+HK$1,749/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,490/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,092
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,899
−HK$819/mo
Today · 4.125%
HK$31,718
baseline
▲ 0.50% · 4.625%
HK$33,389
+HK$1,671/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,436/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,557
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,539
−HK$997/mo
Today · 4.125%
HK$33,536
baseline
▲ 0.50% · 4.625%
HK$35,577
+HK$2,041/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,072/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,107
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,049
−HK$955/mo
Today · 4.125%
HK$37,004
baseline
▲ 0.50% · 4.625%
HK$38,954
+HK$1,950/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$74,008/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,574
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,836
−HK$1,282/mo
Today · 4.125%
HK$43,118
baseline
▲ 0.50% · 4.625%
HK$45,741
+HK$2,623/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,236/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,138
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,348
−HK$1,228/mo
Today · 4.125%
HK$47,576
baseline
▲ 0.50% · 4.625%
HK$50,084
+HK$2,508/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,152/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,523 · 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).