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$22,512
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,212
−HK$712/mo
Today · 4.125%
HK$23,924
baseline
▲ 0.50% · 4.625%
HK$25,379
+HK$1,455/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,848/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$357,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,044
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,716
−HK$681/mo
Today · 4.125%
HK$26,397
baseline
▲ 0.50% · 4.625%
HK$27,789
+HK$1,392/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,794/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$357,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,014
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,855
−HK$853/mo
Today · 4.125%
HK$28,708
baseline
▲ 0.50% · 4.625%
HK$30,455
+HK$1,747/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,416/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,053
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,859
−HK$818/mo
Today · 4.125%
HK$31,677
baseline
▲ 0.50% · 4.625%
HK$33,347
+HK$1,670/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,354/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,517
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,497
−HK$996/mo
Today · 4.125%
HK$33,493
baseline
▲ 0.50% · 4.625%
HK$35,531
+HK$2,038/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,986/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,062
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$36,003
−HK$953/mo
Today · 4.125%
HK$36,956
baseline
▲ 0.50% · 4.625%
HK$38,904
+HK$1,948/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,912/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,522
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,782
−HK$1,281/mo
Today · 4.125%
HK$43,063
baseline
▲ 0.50% · 4.625%
HK$45,683
+HK$2,620/mo
Deposit HK$987K · loan HK$8.89M · min. income ≈ HK$86,126/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$357,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,080
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,289
−HK$1,226/mo
Today · 4.125%
HK$47,515
baseline
▲ 0.50% · 4.625%
HK$50,020
+HK$2,505/mo
Deposit HK$987K · loan HK$8.89M · min. income ≈ HK$95,030/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$357,259 · 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).