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$22,532
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,233
−HK$712/mo
Today · 4.125%
HK$23,945
baseline
▲ 0.50% · 4.625%
HK$25,402
+HK$1,457/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,890/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,067
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,739
−HK$682/mo
Today · 4.125%
HK$26,421
baseline
▲ 0.50% · 4.625%
HK$27,814
+HK$1,393/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,842/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,039
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,880
−HK$854/mo
Today · 4.125%
HK$28,734
baseline
▲ 0.50% · 4.625%
HK$30,482
+HK$1,748/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,468/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,080
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,887
−HK$818/mo
Today · 4.125%
HK$31,705
baseline
▲ 0.50% · 4.625%
HK$33,376
+HK$1,671/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,410/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,545
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,526
−HK$997/mo
Today · 4.125%
HK$33,523
baseline
▲ 0.50% · 4.625%
HK$35,563
+HK$2,040/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$67,046/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,093
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,035
−HK$954/mo
Today · 4.125%
HK$36,989
baseline
▲ 0.50% · 4.625%
HK$38,939
+HK$1,950/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$73,978/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,558
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,819
−HK$1,282/mo
Today · 4.125%
HK$43,101
baseline
▲ 0.50% · 4.625%
HK$45,724
+HK$2,623/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,202/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,120
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,330
−HK$1,228/mo
Today · 4.125%
HK$47,558
baseline
▲ 0.50% · 4.625%
HK$50,065
+HK$2,507/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,116/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,139 · 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).