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$357,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,049
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,721
−HK$681/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$357,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,019
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,860
−HK$853/mo
Today · 4.125%
HK$28,713
baseline
▲ 0.50% · 4.625%
HK$30,461
+HK$1,748/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$357,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,059
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,865
−HK$817/mo
Today · 4.125%
HK$31,682
baseline
▲ 0.50% · 4.625%
HK$33,353
+HK$1,671/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$357,431 · 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$357,431 · 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$357,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,529
−HK$2,541/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$357,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,088
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,297
−HK$1,227/mo
Today · 4.125%
HK$47,524
baseline
▲ 0.50% · 4.625%
HK$50,029
+HK$2,505/mo
Deposit HK$987K · loan HK$8.89M · min. income ≈ HK$95,048/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$357,431 · 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).