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$22,538
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,239
−HK$713/mo
Today · 4.125%
HK$23,952
baseline
▲ 0.50% · 4.625%
HK$25,409
+HK$1,457/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,904/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,074
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,746
−HK$682/mo
Today · 4.125%
HK$26,428
baseline
▲ 0.50% · 4.625%
HK$27,821
+HK$1,393/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,856/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,046
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,887
−HK$855/mo
Today · 4.125%
HK$28,742
baseline
▲ 0.50% · 4.625%
HK$30,491
+HK$1,749/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,484/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,089
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,895
−HK$819/mo
Today · 4.125%
HK$31,714
baseline
▲ 0.50% · 4.625%
HK$33,386
+HK$1,672/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,428/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,554
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,535
−HK$997/mo
Today · 4.125%
HK$33,532
baseline
▲ 0.50% · 4.625%
HK$35,573
+HK$2,041/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,064/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,103
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,045
−HK$955/mo
Today · 4.125%
HK$37,000
baseline
▲ 0.50% · 4.625%
HK$38,950
+HK$1,950/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$74,000/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,569
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,831
−HK$1,282/mo
Today · 4.125%
HK$43,113
baseline
▲ 0.50% · 4.625%
HK$45,737
+HK$2,624/mo
Deposit HK$988K · loan HK$8.90M · min. income ≈ HK$86,226/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,133
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,343
−HK$1,228/mo
Today · 4.125%
HK$47,571
baseline
▲ 0.50% · 4.625%
HK$50,079
+HK$2,508/mo
Deposit HK$988K · loan HK$8.90M · min. income ≈ HK$95,142/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,416 · 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).