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$22,591
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,294
−HK$714/mo
Today · 4.125%
HK$24,008
baseline
▲ 0.50% · 4.625%
HK$25,469
+HK$1,461/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$48,016/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,132
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,806
−HK$684/mo
Today · 4.125%
HK$26,490
baseline
▲ 0.50% · 4.625%
HK$27,887
+HK$1,397/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,980/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,109
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,953
−HK$856/mo
Today · 4.125%
HK$28,809
baseline
▲ 0.50% · 4.625%
HK$30,562
+HK$1,753/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,618/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,159
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,968
−HK$820/mo
Today · 4.125%
HK$31,788
baseline
▲ 0.50% · 4.625%
HK$33,464
+HK$1,676/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,576/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,628
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,611
−HK$1,000/mo
Today · 4.125%
HK$33,611
baseline
▲ 0.50% · 4.625%
HK$35,656
+HK$2,045/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,222/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,185
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,129
−HK$957/mo
Today · 4.125%
HK$37,086
baseline
▲ 0.50% · 4.625%
HK$39,041
+HK$1,955/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,172/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,664
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,929
−HK$1,285/mo
Today · 4.125%
HK$43,214
baseline
▲ 0.50% · 4.625%
HK$45,843
+HK$2,629/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$86,428/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,238
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,452
−HK$1,230/mo
Today · 4.125%
HK$47,682
baseline
▲ 0.50% · 4.625%
HK$50,196
+HK$2,514/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$95,364/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,728 · 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).