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$22,542
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,244
−HK$712/mo
Today · 4.125%
HK$23,956
baseline
▲ 0.50% · 4.625%
HK$25,414
+HK$1,458/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,912/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,078
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,751
−HK$682/mo
Today · 4.125%
HK$26,433
baseline
▲ 0.50% · 4.625%
HK$27,826
+HK$1,393/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,866/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,051
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,892
−HK$855/mo
Today · 4.125%
HK$28,747
baseline
▲ 0.50% · 4.625%
HK$30,496
+HK$1,749/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,494/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,094
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,901
−HK$819/mo
Today · 4.125%
HK$31,720
baseline
▲ 0.50% · 4.625%
HK$33,392
+HK$1,672/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,440/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,559
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,541
−HK$997/mo
Today · 4.125%
HK$33,538
baseline
▲ 0.50% · 4.625%
HK$35,579
+HK$2,041/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,076/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,110
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,051
−HK$955/mo
Today · 4.125%
HK$37,006
baseline
▲ 0.50% · 4.625%
HK$38,957
+HK$1,951/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$74,012/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,576
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,839
−HK$1,282/mo
Today · 4.125%
HK$43,121
baseline
▲ 0.50% · 4.625%
HK$45,745
+HK$2,624/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,242/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,141
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,351
−HK$1,229/mo
Today · 4.125%
HK$47,580
baseline
▲ 0.50% · 4.625%
HK$50,088
+HK$2,508/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,160/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,593 · 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).