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$22,547
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,248
−HK$712/mo
Today · 4.125%
HK$23,960
baseline
▲ 0.50% · 4.625%
HK$25,418
+HK$1,458/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,920/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,083
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,755
−HK$683/mo
Today · 4.125%
HK$26,438
baseline
▲ 0.50% · 4.625%
HK$27,831
+HK$1,393/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,876/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,056
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,897
−HK$855/mo
Today · 4.125%
HK$28,752
baseline
▲ 0.50% · 4.625%
HK$30,502
+HK$1,750/mo
Deposit HK$3.96M · loan HK$5.93M · min. income ≈ HK$57,504/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,099
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,907
−HK$818/mo
Today · 4.125%
HK$31,725
baseline
▲ 0.50% · 4.625%
HK$33,398
+HK$1,673/mo
Deposit HK$3.96M · loan HK$5.93M · min. income ≈ HK$63,450/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,565
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,547
−HK$998/mo
Today · 4.125%
HK$33,545
baseline
▲ 0.50% · 4.625%
HK$35,586
+HK$2,041/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,090/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$358,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,116
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,058
−HK$955/mo
Today · 4.125%
HK$37,013
baseline
▲ 0.50% · 4.625%
HK$38,964
+HK$1,951/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$74,026/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$358,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,584
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,846
−HK$1,283/mo
Today · 4.125%
HK$43,129
baseline
▲ 0.50% · 4.625%
HK$45,753
+HK$2,624/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,258/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,149
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,360
−HK$1,228/mo
Today · 4.125%
HK$47,588
baseline
▲ 0.50% · 4.625%
HK$50,097
+HK$2,509/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,176/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,771 · 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).