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$22,572
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,275
−HK$713/mo
Today · 4.125%
HK$23,988
baseline
▲ 0.50% · 4.625%
HK$25,447
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,976/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,112
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,785
−HK$683/mo
Today · 4.125%
HK$26,468
baseline
▲ 0.50% · 4.625%
HK$27,863
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,936/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,087
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,929
−HK$856/mo
Today · 4.125%
HK$28,785
baseline
▲ 0.50% · 4.625%
HK$30,537
+HK$1,752/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,570/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,134
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,942
−HK$820/mo
Today · 4.125%
HK$31,762
baseline
▲ 0.50% · 4.625%
HK$33,436
+HK$1,674/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,524/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,601
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,584
−HK$999/mo
Today · 4.125%
HK$33,583
baseline
▲ 0.50% · 4.625%
HK$35,626
+HK$2,043/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,166/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,156
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,099
−HK$957/mo
Today · 4.125%
HK$37,056
baseline
▲ 0.50% · 4.625%
HK$39,009
+HK$1,953/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,112/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,630
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,894
−HK$1,284/mo
Today · 4.125%
HK$43,178
baseline
▲ 0.50% · 4.625%
HK$45,805
+HK$2,627/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,356/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,201
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,413
−HK$1,230/mo
Today · 4.125%
HK$47,643
baseline
▲ 0.50% · 4.625%
HK$50,154
+HK$2,511/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,286/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,906 · 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).