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$22,509
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,209
−HK$711/mo
Today · 4.125%
HK$23,920
baseline
▲ 0.50% · 4.625%
HK$25,376
+HK$1,456/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,840/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$357,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,041
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,712
−HK$682/mo
Today · 4.125%
HK$26,394
baseline
▲ 0.50% · 4.625%
HK$27,785
+HK$1,391/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,788/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$357,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,011
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,851
−HK$853/mo
Today · 4.125%
HK$28,704
baseline
▲ 0.50% · 4.625%
HK$30,451
+HK$1,747/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,408/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,049
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,855
−HK$817/mo
Today · 4.125%
HK$31,672
baseline
▲ 0.50% · 4.625%
HK$33,342
+HK$1,670/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,344/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,512
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,493
−HK$995/mo
Today · 4.125%
HK$33,488
baseline
▲ 0.50% · 4.625%
HK$35,526
+HK$2,038/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,976/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,057
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,997
−HK$954/mo
Today · 4.125%
HK$36,951
baseline
▲ 0.50% · 4.625%
HK$38,899
+HK$1,948/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,902/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,516
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,776
−HK$1,281/mo
Today · 4.125%
HK$43,057
baseline
▲ 0.50% · 4.625%
HK$45,676
+HK$2,619/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$86,114/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$357,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,074
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,282
−HK$1,227/mo
Today · 4.125%
HK$47,509
baseline
▲ 0.50% · 4.625%
HK$50,013
+HK$2,504/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$95,018/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$357,118 · 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).