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$22,587
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,290
−HK$713/mo
Today · 4.125%
HK$24,003
baseline
▲ 0.50% · 4.625%
HK$25,464
+HK$1,461/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$48,006/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,128
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,802
−HK$683/mo
Today · 4.125%
HK$26,485
baseline
▲ 0.50% · 4.625%
HK$27,881
+HK$1,396/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,970/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,104
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,947
−HK$857/mo
Today · 4.125%
HK$28,804
baseline
▲ 0.50% · 4.625%
HK$30,557
+HK$1,753/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,608/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,153
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,962
−HK$820/mo
Today · 4.125%
HK$31,782
baseline
▲ 0.50% · 4.625%
HK$33,458
+HK$1,676/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,564/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,622
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,605
−HK$1,000/mo
Today · 4.125%
HK$33,605
baseline
▲ 0.50% · 4.625%
HK$35,650
+HK$2,045/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,210/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,179
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,122
−HK$958/mo
Today · 4.125%
HK$37,080
baseline
▲ 0.50% · 4.625%
HK$39,034
+HK$1,954/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,160/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,657
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,921
−HK$1,285/mo
Today · 4.125%
HK$43,206
baseline
▲ 0.50% · 4.625%
HK$45,835
+HK$2,629/mo
Deposit HK$991K · loan HK$8.91M · min. income ≈ HK$86,412/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,230
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,443
−HK$1,231/mo
Today · 4.125%
HK$47,674
baseline
▲ 0.50% · 4.625%
HK$50,187
+HK$2,513/mo
Deposit HK$991K · loan HK$8.91M · min. income ≈ HK$95,348/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,546 · 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).