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$22,508
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,208
−HK$711/mo
Today · 4.125%
HK$23,919
baseline
▲ 0.50% · 4.625%
HK$25,375
+HK$1,456/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,838/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$357,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,040
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,711
−HK$681/mo
Today · 4.125%
HK$26,392
baseline
▲ 0.50% · 4.625%
HK$27,784
+HK$1,392/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,784/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$357,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,009
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,849
−HK$854/mo
Today · 4.125%
HK$28,703
baseline
▲ 0.50% · 4.625%
HK$30,450
+HK$1,747/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,406/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,048
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,853
−HK$818/mo
Today · 4.125%
HK$31,671
baseline
▲ 0.50% · 4.625%
HK$33,340
+HK$1,669/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,342/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,511
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,491
−HK$996/mo
Today · 4.125%
HK$33,487
baseline
▲ 0.50% · 4.625%
HK$35,524
+HK$2,037/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,974/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,055
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,996
−HK$953/mo
Today · 4.125%
HK$36,949
baseline
▲ 0.50% · 4.625%
HK$38,897
+HK$1,948/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,898/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,514
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,774
−HK$1,281/mo
Today · 4.125%
HK$43,055
baseline
▲ 0.50% · 4.625%
HK$45,674
+HK$2,619/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$86,110/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$357,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,071
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,280
−HK$1,226/mo
Today · 4.125%
HK$47,506
baseline
▲ 0.50% · 4.625%
HK$50,011
+HK$2,505/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$95,012/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$357,071 · 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).