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$22,548
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,250
−HK$712/mo
Today · 4.125%
HK$23,962
baseline
▲ 0.50% · 4.625%
HK$25,420
+HK$1,458/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,924/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,085
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,758
−HK$682/mo
Today · 4.125%
HK$26,440
baseline
▲ 0.50% · 4.625%
HK$27,834
+HK$1,394/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,880/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,058
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,900
−HK$855/mo
Today · 4.125%
HK$28,755
baseline
▲ 0.50% · 4.625%
HK$30,504
+HK$1,749/mo
Deposit HK$3.96M · loan HK$5.93M · min. income ≈ HK$57,510/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,102
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,909
−HK$819/mo
Today · 4.125%
HK$31,728
baseline
▲ 0.50% · 4.625%
HK$33,401
+HK$1,673/mo
Deposit HK$3.96M · loan HK$5.93M · min. income ≈ HK$63,456/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,568
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,550
−HK$997/mo
Today · 4.125%
HK$33,547
baseline
▲ 0.50% · 4.625%
HK$35,589
+HK$2,042/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,094/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$358,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,119
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,061
−HK$955/mo
Today · 4.125%
HK$37,016
baseline
▲ 0.50% · 4.625%
HK$38,967
+HK$1,951/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$74,032/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$358,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,587
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,850
−HK$1,282/mo
Today · 4.125%
HK$43,132
baseline
▲ 0.50% · 4.625%
HK$45,757
+HK$2,625/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,264/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,153
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,364
−HK$1,228/mo
Today · 4.125%
HK$47,592
baseline
▲ 0.50% · 4.625%
HK$50,101
+HK$2,509/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,184/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,853 · 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).