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$22,516
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,216
−HK$712/mo
Today · 4.125%
HK$23,928
baseline
▲ 0.50% · 4.625%
HK$25,384
+HK$1,456/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,856/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$357,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,049
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,720
−HK$682/mo
Today · 4.125%
HK$26,402
baseline
▲ 0.50% · 4.625%
HK$27,794
+HK$1,392/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,804/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$357,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,019
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,859
−HK$854/mo
Today · 4.125%
HK$28,713
baseline
▲ 0.50% · 4.625%
HK$30,460
+HK$1,747/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,426/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,058
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,864
−HK$818/mo
Today · 4.125%
HK$31,682
baseline
▲ 0.50% · 4.625%
HK$33,352
+HK$1,670/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,364/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,522
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,503
−HK$996/mo
Today · 4.125%
HK$33,499
baseline
▲ 0.50% · 4.625%
HK$35,537
+HK$2,038/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,998/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,068
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,009
−HK$954/mo
Today · 4.125%
HK$36,963
baseline
▲ 0.50% · 4.625%
HK$38,911
+HK$1,948/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,926/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,528
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,789
−HK$1,281/mo
Today · 4.125%
HK$43,070
baseline
▲ 0.50% · 4.625%
HK$45,691
+HK$2,621/mo
Deposit HK$987K · loan HK$8.89M · min. income ≈ HK$86,140/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$357,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,087
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,297
−HK$1,226/mo
Today · 4.125%
HK$47,523
baseline
▲ 0.50% · 4.625%
HK$50,028
+HK$2,505/mo
Deposit HK$987K · loan HK$8.89M · min. income ≈ HK$95,046/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$357,425 · 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).