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$22,527
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,228
−HK$712/mo
Today · 4.125%
HK$23,940
baseline
▲ 0.50% · 4.625%
HK$25,396
+HK$1,456/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,880/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,061
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,733
−HK$682/mo
Today · 4.125%
HK$26,415
baseline
▲ 0.50% · 4.625%
HK$27,808
+HK$1,393/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,830/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,033
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,873
−HK$855/mo
Today · 4.125%
HK$28,728
baseline
▲ 0.50% · 4.625%
HK$30,476
+HK$1,748/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,456/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,073
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,880
−HK$818/mo
Today · 4.125%
HK$31,698
baseline
▲ 0.50% · 4.625%
HK$33,369
+HK$1,671/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,396/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,538
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,519
−HK$997/mo
Today · 4.125%
HK$33,516
baseline
▲ 0.50% · 4.625%
HK$35,555
+HK$2,039/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$67,032/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,086
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,027
−HK$954/mo
Today · 4.125%
HK$36,981
baseline
▲ 0.50% · 4.625%
HK$38,931
+HK$1,950/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$73,962/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,549
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,810
−HK$1,282/mo
Today · 4.125%
HK$43,092
baseline
▲ 0.50% · 4.625%
HK$45,714
+HK$2,622/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,184/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,110
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,320
−HK$1,227/mo
Today · 4.125%
HK$47,547
baseline
▲ 0.50% · 4.625%
HK$50,054
+HK$2,507/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,094/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,922 · 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).