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$22,561
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,262
−HK$713/mo
Today · 4.125%
HK$23,975
baseline
▲ 0.50% · 4.625%
HK$25,434
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,950/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,099
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,772
−HK$683/mo
Today · 4.125%
HK$26,455
baseline
▲ 0.50% · 4.625%
HK$27,849
+HK$1,394/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,910/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,073
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,915
−HK$856/mo
Today · 4.125%
HK$28,771
baseline
▲ 0.50% · 4.625%
HK$30,521
+HK$1,750/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,542/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,118
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,926
−HK$819/mo
Today · 4.125%
HK$31,745
baseline
▲ 0.50% · 4.625%
HK$33,419
+HK$1,674/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,490/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,585
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,567
−HK$999/mo
Today · 4.125%
HK$33,566
baseline
▲ 0.50% · 4.625%
HK$35,608
+HK$2,042/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,132/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,138
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,080
−HK$956/mo
Today · 4.125%
HK$37,036
baseline
▲ 0.50% · 4.625%
HK$38,989
+HK$1,953/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,072/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,609
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,872
−HK$1,284/mo
Today · 4.125%
HK$43,156
baseline
▲ 0.50% · 4.625%
HK$45,782
+HK$2,626/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,312/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,177
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,389
−HK$1,229/mo
Today · 4.125%
HK$47,618
baseline
▲ 0.50% · 4.625%
HK$50,128
+HK$2,510/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,236/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,393 · 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).