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$22,519
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,219
−HK$712/mo
Today · 4.125%
HK$23,931
baseline
▲ 0.50% · 4.625%
HK$25,387
+HK$1,456/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,862/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,052
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,724
−HK$681/mo
Today · 4.125%
HK$26,405
baseline
▲ 0.50% · 4.625%
HK$27,797
+HK$1,392/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,810/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,022
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,863
−HK$854/mo
Today · 4.125%
HK$28,717
baseline
▲ 0.50% · 4.625%
HK$30,464
+HK$1,747/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,434/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,062
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,868
−HK$818/mo
Today · 4.125%
HK$31,686
baseline
▲ 0.50% · 4.625%
HK$33,356
+HK$1,670/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,372/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,526
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,507
−HK$996/mo
Today · 4.125%
HK$33,503
baseline
▲ 0.50% · 4.625%
HK$35,542
+HK$2,039/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$67,006/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,072
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,013
−HK$954/mo
Today · 4.125%
HK$36,967
baseline
▲ 0.50% · 4.625%
HK$38,916
+HK$1,949/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,934/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,534
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,794
−HK$1,281/mo
Today · 4.125%
HK$43,075
baseline
▲ 0.50% · 4.625%
HK$45,696
+HK$2,621/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,150/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,093
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,303
−HK$1,226/mo
Today · 4.125%
HK$47,529
baseline
▲ 0.50% · 4.625%
HK$50,035
+HK$2,506/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,058/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,549 · 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).