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$22,511
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,211
−HK$712/mo
Today · 4.125%
HK$23,923
baseline
▲ 0.50% · 4.625%
HK$25,378
+HK$1,455/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,846/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$357,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,043
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,715
−HK$681/mo
Today · 4.125%
HK$26,396
baseline
▲ 0.50% · 4.625%
HK$27,788
+HK$1,392/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,792/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$357,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,013
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,853
−HK$854/mo
Today · 4.125%
HK$28,707
baseline
▲ 0.50% · 4.625%
HK$30,454
+HK$1,747/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,414/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,052
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,858
−HK$818/mo
Today · 4.125%
HK$31,676
baseline
▲ 0.50% · 4.625%
HK$33,345
+HK$1,669/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,352/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,515
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,496
−HK$996/mo
Today · 4.125%
HK$33,492
baseline
▲ 0.50% · 4.625%
HK$35,530
+HK$2,038/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,984/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,061
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$36,001
−HK$954/mo
Today · 4.125%
HK$36,955
baseline
▲ 0.50% · 4.625%
HK$38,903
+HK$1,948/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,910/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,520
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,780
−HK$1,281/mo
Today · 4.125%
HK$43,061
baseline
▲ 0.50% · 4.625%
HK$45,681
+HK$2,620/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$86,122/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$357,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,078
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,287
−HK$1,226/mo
Today · 4.125%
HK$47,513
baseline
▲ 0.50% · 4.625%
HK$50,018
+HK$2,505/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$95,026/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$357,213 · 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).