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$22,533
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,234
−HK$712/mo
Today · 4.125%
HK$23,946
baseline
▲ 0.50% · 4.625%
HK$25,403
+HK$1,457/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,892/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,068
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,740
−HK$682/mo
Today · 4.125%
HK$26,422
baseline
▲ 0.50% · 4.625%
HK$27,815
+HK$1,393/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,844/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,039
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,881
−HK$854/mo
Today · 4.125%
HK$28,735
baseline
▲ 0.50% · 4.625%
HK$30,484
+HK$1,749/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,470/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,081
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,888
−HK$818/mo
Today · 4.125%
HK$31,706
baseline
▲ 0.50% · 4.625%
HK$33,378
+HK$1,672/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,412/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,546
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,527
−HK$997/mo
Today · 4.125%
HK$33,524
baseline
▲ 0.50% · 4.625%
HK$35,564
+HK$2,040/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$67,048/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,095
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,036
−HK$955/mo
Today · 4.125%
HK$36,991
baseline
▲ 0.50% · 4.625%
HK$38,941
+HK$1,950/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$73,982/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,559
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,821
−HK$1,282/mo
Today · 4.125%
HK$43,103
baseline
▲ 0.50% · 4.625%
HK$45,725
+HK$2,622/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,206/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,122
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,332
−HK$1,228/mo
Today · 4.125%
HK$47,560
baseline
▲ 0.50% · 4.625%
HK$50,066
+HK$2,506/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,120/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,174 · 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).