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$22,509
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,209
−HK$712/mo
Today · 4.125%
HK$23,921
baseline
▲ 0.50% · 4.625%
HK$25,376
+HK$1,455/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,842/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$357,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,041
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,713
−HK$681/mo
Today · 4.125%
HK$26,394
baseline
▲ 0.50% · 4.625%
HK$27,785
+HK$1,391/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,788/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$357,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,011
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,851
−HK$854/mo
Today · 4.125%
HK$28,705
baseline
▲ 0.50% · 4.625%
HK$30,451
+HK$1,746/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,410/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,049
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,855
−HK$818/mo
Today · 4.125%
HK$31,673
baseline
▲ 0.50% · 4.625%
HK$33,342
+HK$1,669/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,346/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,513
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,493
−HK$996/mo
Today · 4.125%
HK$33,489
baseline
▲ 0.50% · 4.625%
HK$35,527
+HK$2,038/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,978/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,058
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,998
−HK$954/mo
Today · 4.125%
HK$36,952
baseline
▲ 0.50% · 4.625%
HK$38,899
+HK$1,947/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,904/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,516
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,777
−HK$1,280/mo
Today · 4.125%
HK$43,057
baseline
▲ 0.50% · 4.625%
HK$45,677
+HK$2,620/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$86,114/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$357,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,074
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,283
−HK$1,226/mo
Today · 4.125%
HK$47,509
baseline
▲ 0.50% · 4.625%
HK$50,014
+HK$2,505/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$95,018/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$357,132 · 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).