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$25,474
+HK$1,461/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$360,936 · 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$27,892
+HK$1,396/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$360,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,115
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,958
−HK$857/mo
Today · 4.125%
HK$28,815
baseline
▲ 0.50% · 4.625%
HK$30,569
+HK$1,754/mo
Deposit HK$3.96M · loan HK$5.95M · min. income ≈ HK$57,630/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,165
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,974
−HK$821/mo
Today · 4.125%
HK$31,795
baseline
▲ 0.50% · 4.625%
HK$33,471
+HK$1,676/mo
Deposit HK$3.96M · loan HK$5.95M · min. income ≈ HK$63,590/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,634
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,618
−HK$1,000/mo
Today · 4.125%
HK$33,618
baseline
▲ 0.50% · 4.625%
HK$35,664
+HK$2,046/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,236/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,193
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,137
−HK$957/mo
Today · 4.125%
HK$37,094
baseline
▲ 0.50% · 4.625%
HK$39,049
+HK$1,955/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,188/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,673
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,938
−HK$1,285/mo
Today · 4.125%
HK$43,223
baseline
▲ 0.50% · 4.625%
HK$45,853
+HK$2,630/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$86,446/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,248
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,461
−HK$1,231/mo
Today · 4.125%
HK$47,692
baseline
▲ 0.50% · 4.625%
HK$50,206
+HK$2,514/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$95,384/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,936 · 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).