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$22,515
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,215
−HK$712/mo
Today · 4.125%
HK$23,927
baseline
▲ 0.50% · 4.625%
HK$25,383
+HK$1,456/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,854/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$357,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,048
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,719
−HK$682/mo
Today · 4.125%
HK$26,401
baseline
▲ 0.50% · 4.625%
HK$27,793
+HK$1,392/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,802/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$357,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,018
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,858
−HK$854/mo
Today · 4.125%
HK$28,712
baseline
▲ 0.50% · 4.625%
HK$30,459
+HK$1,747/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,424/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,057
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,863
−HK$818/mo
Today · 4.125%
HK$31,681
baseline
▲ 0.50% · 4.625%
HK$33,351
+HK$1,670/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,362/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,521
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,501
−HK$997/mo
Today · 4.125%
HK$33,498
baseline
▲ 0.50% · 4.625%
HK$35,536
+HK$2,038/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,996/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,067
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$36,007
−HK$954/mo
Today · 4.125%
HK$36,961
baseline
▲ 0.50% · 4.625%
HK$38,910
+HK$1,949/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,922/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,527
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,788
−HK$1,280/mo
Today · 4.125%
HK$43,068
baseline
▲ 0.50% · 4.625%
HK$45,689
+HK$2,621/mo
Deposit HK$987K · loan HK$8.89M · min. income ≈ HK$86,136/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$357,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,086
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,295
−HK$1,227/mo
Today · 4.125%
HK$47,522
baseline
▲ 0.50% · 4.625%
HK$50,027
+HK$2,505/mo
Deposit HK$987K · loan HK$8.89M · min. income ≈ HK$95,044/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$357,387 · 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).