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$22,524
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,225
−HK$711/mo
Today · 4.125%
HK$23,936
baseline
▲ 0.50% · 4.625%
HK$25,393
+HK$1,457/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,872/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,058
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,730
−HK$681/mo
Today · 4.125%
HK$26,411
baseline
▲ 0.50% · 4.625%
HK$27,804
+HK$1,393/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,822/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,029
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,869
−HK$855/mo
Today · 4.125%
HK$28,724
baseline
▲ 0.50% · 4.625%
HK$30,471
+HK$1,747/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,448/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,069
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,876
−HK$818/mo
Today · 4.125%
HK$31,694
baseline
▲ 0.50% · 4.625%
HK$33,364
+HK$1,670/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,388/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,533
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,514
−HK$997/mo
Today · 4.125%
HK$33,511
baseline
▲ 0.50% · 4.625%
HK$35,550
+HK$2,039/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$67,022/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,081
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,021
−HK$955/mo
Today · 4.125%
HK$36,976
baseline
▲ 0.50% · 4.625%
HK$38,925
+HK$1,949/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,952/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,543
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,804
−HK$1,281/mo
Today · 4.125%
HK$43,085
baseline
▲ 0.50% · 4.625%
HK$45,707
+HK$2,622/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,170/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,104
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,313
−HK$1,227/mo
Today · 4.125%
HK$47,540
baseline
▲ 0.50% · 4.625%
HK$50,046
+HK$2,506/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,080/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,779 · 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).