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$22,583
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,285
−HK$714/mo
Today · 4.125%
HK$23,999
baseline
▲ 0.50% · 4.625%
HK$25,459
+HK$1,460/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,998/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,123
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,797
−HK$684/mo
Today · 4.125%
HK$26,481
baseline
▲ 0.50% · 4.625%
HK$27,876
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,962/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,099
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,942
−HK$857/mo
Today · 4.125%
HK$28,799
baseline
▲ 0.50% · 4.625%
HK$30,551
+HK$1,752/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,598/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,148
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,956
−HK$821/mo
Today · 4.125%
HK$31,777
baseline
▲ 0.50% · 4.625%
HK$33,452
+HK$1,675/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,554/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,616
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,599
−HK$1,000/mo
Today · 4.125%
HK$33,599
baseline
▲ 0.50% · 4.625%
HK$35,643
+HK$2,044/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,198/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,172
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,116
−HK$957/mo
Today · 4.125%
HK$37,073
baseline
▲ 0.50% · 4.625%
HK$39,027
+HK$1,954/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,146/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,649
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,914
−HK$1,284/mo
Today · 4.125%
HK$43,198
baseline
▲ 0.50% · 4.625%
HK$45,827
+HK$2,629/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,396/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,222
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,435
−HK$1,230/mo
Today · 4.125%
HK$47,665
baseline
▲ 0.50% · 4.625%
HK$50,177
+HK$2,512/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,330/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,365 · 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).