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$22,532
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,233
−HK$712/mo
Today · 4.125%
HK$23,945
baseline
▲ 0.50% · 4.625%
HK$25,402
+HK$1,457/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,890/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,066
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,739
−HK$682/mo
Today · 4.125%
HK$26,421
baseline
▲ 0.50% · 4.625%
HK$27,813
+HK$1,392/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,842/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,038
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,879
−HK$855/mo
Today · 4.125%
HK$28,734
baseline
▲ 0.50% · 4.625%
HK$30,482
+HK$1,748/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,468/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,080
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,886
−HK$819/mo
Today · 4.125%
HK$31,705
baseline
▲ 0.50% · 4.625%
HK$33,376
+HK$1,671/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,410/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,544
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,526
−HK$996/mo
Today · 4.125%
HK$33,522
baseline
▲ 0.50% · 4.625%
HK$35,562
+HK$2,040/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$67,044/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,093
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,034
−HK$955/mo
Today · 4.125%
HK$36,989
baseline
▲ 0.50% · 4.625%
HK$38,938
+HK$1,949/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$73,978/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,557
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,819
−HK$1,281/mo
Today · 4.125%
HK$43,100
baseline
▲ 0.50% · 4.625%
HK$45,723
+HK$2,623/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,200/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,119
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,329
−HK$1,228/mo
Today · 4.125%
HK$47,557
baseline
▲ 0.50% · 4.625%
HK$50,064
+HK$2,507/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,114/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,122 · 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).