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$22,580
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,282
−HK$714/mo
Today · 4.125%
HK$23,996
baseline
▲ 0.50% · 4.625%
HK$25,456
+HK$1,460/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,992/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,120
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,793
−HK$684/mo
Today · 4.125%
HK$26,477
baseline
▲ 0.50% · 4.625%
HK$27,872
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,954/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,096
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,938
−HK$857/mo
Today · 4.125%
HK$28,795
baseline
▲ 0.50% · 4.625%
HK$30,547
+HK$1,752/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,590/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,144
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,952
−HK$820/mo
Today · 4.125%
HK$31,772
baseline
▲ 0.50% · 4.625%
HK$33,447
+HK$1,675/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,544/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,612
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,595
−HK$999/mo
Today · 4.125%
HK$33,594
baseline
▲ 0.50% · 4.625%
HK$35,638
+HK$2,044/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,188/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,168
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,111
−HK$957/mo
Today · 4.125%
HK$37,068
baseline
▲ 0.50% · 4.625%
HK$39,021
+HK$1,953/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,136/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,643
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,908
−HK$1,284/mo
Today · 4.125%
HK$43,192
baseline
▲ 0.50% · 4.625%
HK$45,820
+HK$2,628/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,384/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,215
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,428
−HK$1,230/mo
Today · 4.125%
HK$47,658
baseline
▲ 0.50% · 4.625%
HK$50,170
+HK$2,512/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,316/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,225 · 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).