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$22,584
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,286
−HK$714/mo
Today · 4.125%
HK$24,000
baseline
▲ 0.50% · 4.625%
HK$25,460
+HK$1,460/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$48,000/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,124
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,798
−HK$683/mo
Today · 4.125%
HK$26,481
baseline
▲ 0.50% · 4.625%
HK$27,877
+HK$1,396/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,962/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,100
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,943
−HK$857/mo
Today · 4.125%
HK$28,800
baseline
▲ 0.50% · 4.625%
HK$30,552
+HK$1,752/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,600/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,149
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,957
−HK$821/mo
Today · 4.125%
HK$31,778
baseline
▲ 0.50% · 4.625%
HK$33,453
+HK$1,675/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,556/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,617
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,601
−HK$999/mo
Today · 4.125%
HK$33,600
baseline
▲ 0.50% · 4.625%
HK$35,644
+HK$2,044/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,200/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,174
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,117
−HK$957/mo
Today · 4.125%
HK$37,074
baseline
▲ 0.50% · 4.625%
HK$39,028
+HK$1,954/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,148/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,651
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,915
−HK$1,285/mo
Today · 4.125%
HK$43,200
baseline
▲ 0.50% · 4.625%
HK$45,828
+HK$2,628/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,400/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,223
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,436
−HK$1,231/mo
Today · 4.125%
HK$47,667
baseline
▲ 0.50% · 4.625%
HK$50,179
+HK$2,512/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,334/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,398 · 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).