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$22,552
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,253
−HK$713/mo
Today · 4.125%
HK$23,966
baseline
▲ 0.50% · 4.625%
HK$25,424
+HK$1,458/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,932/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$359,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,089
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,762
−HK$682/mo
Today · 4.125%
HK$26,444
baseline
▲ 0.50% · 4.625%
HK$27,838
+HK$1,394/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,888/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$359,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,062
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,904
−HK$855/mo
Today · 4.125%
HK$28,759
baseline
▲ 0.50% · 4.625%
HK$30,509
+HK$1,750/mo
Deposit HK$3.96M · loan HK$5.93M · min. income ≈ HK$57,518/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,106
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,914
−HK$819/mo
Today · 4.125%
HK$31,733
baseline
▲ 0.50% · 4.625%
HK$33,406
+HK$1,673/mo
Deposit HK$3.96M · loan HK$5.93M · min. income ≈ HK$63,466/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,573
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,555
−HK$997/mo
Today · 4.125%
HK$33,552
baseline
▲ 0.50% · 4.625%
HK$35,594
+HK$2,042/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,104/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,124
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,066
−HK$956/mo
Today · 4.125%
HK$37,022
baseline
▲ 0.50% · 4.625%
HK$38,973
+HK$1,951/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$74,044/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,593
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,856
−HK$1,283/mo
Today · 4.125%
HK$43,139
baseline
▲ 0.50% · 4.625%
HK$45,764
+HK$2,625/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,278/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,160
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,371
−HK$1,228/mo
Today · 4.125%
HK$47,599
baseline
▲ 0.50% · 4.625%
HK$50,109
+HK$2,510/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,198/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,005 · 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).