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$22,596
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,299
−HK$714/mo
Today · 4.125%
HK$24,013
baseline
▲ 0.50% · 4.625%
HK$25,475
+HK$1,462/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$48,026/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$360,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,138
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,812
−HK$684/mo
Today · 4.125%
HK$26,496
baseline
▲ 0.50% · 4.625%
HK$27,893
+HK$1,397/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,992/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$360,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,116
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,959
−HK$857/mo
Today · 4.125%
HK$28,816
baseline
▲ 0.50% · 4.625%
HK$30,569
+HK$1,753/mo
Deposit HK$3.96M · loan HK$5.95M · min. income ≈ HK$57,632/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,166
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,975
−HK$821/mo
Today · 4.125%
HK$31,796
baseline
▲ 0.50% · 4.625%
HK$33,472
+HK$1,676/mo
Deposit HK$3.96M · loan HK$5.95M · min. income ≈ HK$63,592/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,635
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,619
−HK$1,000/mo
Today · 4.125%
HK$33,619
baseline
▲ 0.50% · 4.625%
HK$35,664
+HK$2,045/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,238/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,194
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,137
−HK$958/mo
Today · 4.125%
HK$37,095
baseline
▲ 0.50% · 4.625%
HK$39,050
+HK$1,955/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,190/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,674
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,939
−HK$1,285/mo
Today · 4.125%
HK$43,224
baseline
▲ 0.50% · 4.625%
HK$45,854
+HK$2,630/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$86,448/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,249
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,462
−HK$1,232/mo
Today · 4.125%
HK$47,694
baseline
▲ 0.50% · 4.625%
HK$50,208
+HK$2,514/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$95,388/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,960 · 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).