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$22,559
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,261
−HK$713/mo
Today · 4.125%
HK$23,974
baseline
▲ 0.50% · 4.625%
HK$25,433
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,948/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,097
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,770
−HK$683/mo
Today · 4.125%
HK$26,453
baseline
▲ 0.50% · 4.625%
HK$27,847
+HK$1,394/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,906/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,071
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,913
−HK$856/mo
Today · 4.125%
HK$28,769
baseline
▲ 0.50% · 4.625%
HK$30,519
+HK$1,750/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,538/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,117
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,924
−HK$820/mo
Today · 4.125%
HK$31,744
baseline
▲ 0.50% · 4.625%
HK$33,417
+HK$1,673/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,488/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,583
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,566
−HK$998/mo
Today · 4.125%
HK$33,564
baseline
▲ 0.50% · 4.625%
HK$35,606
+HK$2,042/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,128/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,136
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,078
−HK$956/mo
Today · 4.125%
HK$37,034
baseline
▲ 0.50% · 4.625%
HK$38,986
+HK$1,952/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,068/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,607
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,870
−HK$1,283/mo
Today · 4.125%
HK$43,153
baseline
▲ 0.50% · 4.625%
HK$45,779
+HK$2,626/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,306/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,175
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,386
−HK$1,229/mo
Today · 4.125%
HK$47,615
baseline
▲ 0.50% · 4.625%
HK$50,125
+HK$2,510/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,230/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,336 · 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).