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$22,522
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,223
−HK$711/mo
Today · 4.125%
HK$23,934
baseline
▲ 0.50% · 4.625%
HK$25,391
+HK$1,457/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,868/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,056
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,728
−HK$681/mo
Today · 4.125%
HK$26,409
baseline
▲ 0.50% · 4.625%
HK$27,801
+HK$1,392/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,818/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,027
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,867
−HK$854/mo
Today · 4.125%
HK$28,721
baseline
▲ 0.50% · 4.625%
HK$30,469
+HK$1,748/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,442/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,067
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,873
−HK$818/mo
Today · 4.125%
HK$31,691
baseline
▲ 0.50% · 4.625%
HK$33,362
+HK$1,671/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,382/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,531
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,512
−HK$996/mo
Today · 4.125%
HK$33,508
baseline
▲ 0.50% · 4.625%
HK$35,547
+HK$2,039/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$67,016/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,078
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,019
−HK$954/mo
Today · 4.125%
HK$36,973
baseline
▲ 0.50% · 4.625%
HK$38,922
+HK$1,949/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,946/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,540
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,801
−HK$1,281/mo
Today · 4.125%
HK$43,082
baseline
▲ 0.50% · 4.625%
HK$45,703
+HK$2,621/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,164/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,100
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,310
−HK$1,227/mo
Today · 4.125%
HK$47,537
baseline
▲ 0.50% · 4.625%
HK$50,043
+HK$2,506/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,074/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,702 · 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).