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$22,547
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,248
−HK$713/mo
Today · 4.125%
HK$23,961
baseline
▲ 0.50% · 4.625%
HK$25,419
+HK$1,458/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,922/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,083
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,756
−HK$682/mo
Today · 4.125%
HK$26,438
baseline
▲ 0.50% · 4.625%
HK$27,832
+HK$1,394/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,876/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,056
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,898
−HK$855/mo
Today · 4.125%
HK$28,753
baseline
▲ 0.50% · 4.625%
HK$30,502
+HK$1,749/mo
Deposit HK$3.96M · loan HK$5.93M · min. income ≈ HK$57,506/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,100
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,907
−HK$819/mo
Today · 4.125%
HK$31,726
baseline
▲ 0.50% · 4.625%
HK$33,398
+HK$1,672/mo
Deposit HK$3.96M · loan HK$5.93M · min. income ≈ HK$63,452/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,566
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,547
−HK$998/mo
Today · 4.125%
HK$33,545
baseline
▲ 0.50% · 4.625%
HK$35,586
+HK$2,041/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,090/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$358,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,116
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,058
−HK$956/mo
Today · 4.125%
HK$37,014
baseline
▲ 0.50% · 4.625%
HK$38,965
+HK$1,951/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$74,028/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$358,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,584
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,847
−HK$1,282/mo
Today · 4.125%
HK$43,129
baseline
▲ 0.50% · 4.625%
HK$45,754
+HK$2,625/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,258/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,150
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,360
−HK$1,229/mo
Today · 4.125%
HK$47,589
baseline
▲ 0.50% · 4.625%
HK$50,097
+HK$2,508/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,178/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,784 · 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).