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$22,573
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,275
−HK$714/mo
Today · 4.125%
HK$23,989
baseline
▲ 0.50% · 4.625%
HK$25,448
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,978/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,112
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,786
−HK$683/mo
Today · 4.125%
HK$26,469
baseline
▲ 0.50% · 4.625%
HK$27,864
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,938/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,088
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,930
−HK$856/mo
Today · 4.125%
HK$28,786
baseline
▲ 0.50% · 4.625%
HK$30,538
+HK$1,752/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,572/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,135
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,943
−HK$820/mo
Today · 4.125%
HK$31,763
baseline
▲ 0.50% · 4.625%
HK$33,437
+HK$1,674/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,526/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,602
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,585
−HK$999/mo
Today · 4.125%
HK$33,584
baseline
▲ 0.50% · 4.625%
HK$35,628
+HK$2,044/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,168/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,157
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,100
−HK$957/mo
Today · 4.125%
HK$37,057
baseline
▲ 0.50% · 4.625%
HK$39,010
+HK$1,953/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,114/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,632
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,896
−HK$1,284/mo
Today · 4.125%
HK$43,180
baseline
▲ 0.50% · 4.625%
HK$45,807
+HK$2,627/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,360/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,202
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,415
−HK$1,230/mo
Today · 4.125%
HK$47,645
baseline
▲ 0.50% · 4.625%
HK$50,156
+HK$2,511/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,290/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,940 · 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).