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$22,526
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,227
−HK$712/mo
Today · 4.125%
HK$23,939
baseline
▲ 0.50% · 4.625%
HK$25,396
+HK$1,457/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,878/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,060
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,733
−HK$681/mo
Today · 4.125%
HK$26,414
baseline
▲ 0.50% · 4.625%
HK$27,807
+HK$1,393/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,828/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,032
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,873
−HK$854/mo
Today · 4.125%
HK$28,727
baseline
▲ 0.50% · 4.625%
HK$30,475
+HK$1,748/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,454/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,073
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,879
−HK$818/mo
Today · 4.125%
HK$31,697
baseline
▲ 0.50% · 4.625%
HK$33,368
+HK$1,671/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,394/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,537
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,518
−HK$997/mo
Today · 4.125%
HK$33,515
baseline
▲ 0.50% · 4.625%
HK$35,554
+HK$2,039/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$67,030/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,085
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,026
−HK$954/mo
Today · 4.125%
HK$36,980
baseline
▲ 0.50% · 4.625%
HK$38,929
+HK$1,949/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$73,960/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,548
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,809
−HK$1,281/mo
Today · 4.125%
HK$43,090
baseline
▲ 0.50% · 4.625%
HK$45,712
+HK$2,622/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,180/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,109
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,319
−HK$1,227/mo
Today · 4.125%
HK$47,546
baseline
▲ 0.50% · 4.625%
HK$50,052
+HK$2,506/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,092/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,892 · 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).