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$22,592
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,295
−HK$714/mo
Today · 4.125%
HK$24,009
baseline
▲ 0.50% · 4.625%
HK$25,469
+HK$1,460/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$48,018/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,133
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,807
−HK$684/mo
Today · 4.125%
HK$26,491
baseline
▲ 0.50% · 4.625%
HK$27,887
+HK$1,396/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,982/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,110
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,953
−HK$857/mo
Today · 4.125%
HK$28,810
baseline
▲ 0.50% · 4.625%
HK$30,563
+HK$1,753/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,620/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,160
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,969
−HK$820/mo
Today · 4.125%
HK$31,789
baseline
▲ 0.50% · 4.625%
HK$33,465
+HK$1,676/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,578/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,629
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,612
−HK$1,000/mo
Today · 4.125%
HK$33,612
baseline
▲ 0.50% · 4.625%
HK$35,657
+HK$2,045/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,224/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,186
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,130
−HK$957/mo
Today · 4.125%
HK$37,087
baseline
▲ 0.50% · 4.625%
HK$39,042
+HK$1,955/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,174/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,665
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,930
−HK$1,285/mo
Today · 4.125%
HK$43,215
baseline
▲ 0.50% · 4.625%
HK$45,845
+HK$2,630/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$86,430/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,240
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,453
−HK$1,231/mo
Today · 4.125%
HK$47,684
baseline
▲ 0.50% · 4.625%
HK$50,197
+HK$2,513/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$95,368/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,759 · 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).