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$22,595
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,298
−HK$714/mo
Today · 4.125%
HK$24,012
baseline
▲ 0.50% · 4.625%
HK$25,473
+HK$1,461/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$48,024/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$360,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,137
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,811
−HK$684/mo
Today · 4.125%
HK$26,495
baseline
▲ 0.50% · 4.625%
HK$27,891
+HK$1,396/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,990/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$360,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,114
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,957
−HK$857/mo
Today · 4.125%
HK$28,814
baseline
▲ 0.50% · 4.625%
HK$30,568
+HK$1,754/mo
Deposit HK$3.96M · loan HK$5.95M · min. income ≈ HK$57,628/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,164
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,973
−HK$821/mo
Today · 4.125%
HK$31,794
baseline
▲ 0.50% · 4.625%
HK$33,470
+HK$1,676/mo
Deposit HK$3.96M · loan HK$5.95M · min. income ≈ HK$63,588/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,633
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,617
−HK$1,000/mo
Today · 4.125%
HK$33,617
baseline
▲ 0.50% · 4.625%
HK$35,662
+HK$2,045/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,234/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,191
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,135
−HK$958/mo
Today · 4.125%
HK$37,093
baseline
▲ 0.50% · 4.625%
HK$39,048
+HK$1,955/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,186/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,671
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,936
−HK$1,285/mo
Today · 4.125%
HK$43,221
baseline
▲ 0.50% · 4.625%
HK$45,851
+HK$2,630/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$86,442/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,246
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,460
−HK$1,231/mo
Today · 4.125%
HK$47,691
baseline
▲ 0.50% · 4.625%
HK$50,204
+HK$2,513/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$95,382/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,897 · 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).