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$22,545
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,247
−HK$712/mo
Today · 4.125%
HK$23,959
baseline
▲ 0.50% · 4.625%
HK$25,417
+HK$1,458/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,918/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,082
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,754
−HK$683/mo
Today · 4.125%
HK$26,437
baseline
▲ 0.50% · 4.625%
HK$27,830
+HK$1,393/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,874/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,054
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,896
−HK$855/mo
Today · 4.125%
HK$28,751
baseline
▲ 0.50% · 4.625%
HK$30,500
+HK$1,749/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,502/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,098
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,905
−HK$819/mo
Today · 4.125%
HK$31,724
baseline
▲ 0.50% · 4.625%
HK$33,396
+HK$1,672/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,448/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,564
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,545
−HK$998/mo
Today · 4.125%
HK$33,543
baseline
▲ 0.50% · 4.625%
HK$35,584
+HK$2,041/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,086/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,114
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,056
−HK$955/mo
Today · 4.125%
HK$37,011
baseline
▲ 0.50% · 4.625%
HK$38,962
+HK$1,951/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$74,022/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,582
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,844
−HK$1,283/mo
Today · 4.125%
HK$43,127
baseline
▲ 0.50% · 4.625%
HK$45,751
+HK$2,624/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,254/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,147
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,358
−HK$1,228/mo
Today · 4.125%
HK$47,586
baseline
▲ 0.50% · 4.625%
HK$50,094
+HK$2,508/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,172/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,723 · 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).