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$1,414/mo
▼ 0.25% · 3.875%
HK$23,249
−HK$712/mo
Today · 4.125%
HK$23,961
baseline
▲ 0.50% · 4.625%
HK$25,419
+HK$1,458/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,922/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,084
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,756
−HK$683/mo
Today · 4.125%
HK$26,439
baseline
▲ 0.50% · 4.625%
HK$27,832
+HK$1,393/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,878/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,057
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,898
−HK$855/mo
Today · 4.125%
HK$28,753
baseline
▲ 0.50% · 4.625%
HK$30,503
+HK$1,750/mo
Deposit HK$3.96M · loan HK$5.93M · min. income ≈ HK$57,506/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,100
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,908
−HK$819/mo
Today · 4.125%
HK$31,727
baseline
▲ 0.50% · 4.625%
HK$33,399
+HK$1,672/mo
Deposit HK$3.96M · loan HK$5.93M · min. income ≈ HK$63,454/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,566
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,548
−HK$998/mo
Today · 4.125%
HK$33,546
baseline
▲ 0.50% · 4.625%
HK$35,587
+HK$2,041/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,092/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$358,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,117
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,059
−HK$955/mo
Today · 4.125%
HK$37,014
baseline
▲ 0.50% · 4.625%
HK$38,965
+HK$1,951/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$74,028/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$358,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,585
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,848
−HK$1,282/mo
Today · 4.125%
HK$43,130
baseline
▲ 0.50% · 4.625%
HK$45,754
+HK$2,624/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,260/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,150
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,361
−HK$1,229/mo
Today · 4.125%
HK$47,590
baseline
▲ 0.50% · 4.625%
HK$50,098
+HK$2,508/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,180/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,804 · 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).