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$22,589
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,292
−HK$714/mo
Today · 4.125%
HK$24,006
baseline
▲ 0.50% · 4.625%
HK$25,467
+HK$1,461/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$48,012/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,131
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,805
−HK$683/mo
Today · 4.125%
HK$26,488
baseline
▲ 0.50% · 4.625%
HK$27,885
+HK$1,397/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,976/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,107
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,951
−HK$856/mo
Today · 4.125%
HK$28,807
baseline
▲ 0.50% · 4.625%
HK$30,560
+HK$1,753/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,614/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,157
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,965
−HK$821/mo
Today · 4.125%
HK$31,786
baseline
▲ 0.50% · 4.625%
HK$33,461
+HK$1,675/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,572/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,625
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,609
−HK$999/mo
Today · 4.125%
HK$33,608
baseline
▲ 0.50% · 4.625%
HK$35,653
+HK$2,045/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,216/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,183
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,126
−HK$958/mo
Today · 4.125%
HK$37,084
baseline
▲ 0.50% · 4.625%
HK$39,038
+HK$1,954/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,168/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,661
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,926
−HK$1,285/mo
Today · 4.125%
HK$43,211
baseline
▲ 0.50% · 4.625%
HK$45,840
+HK$2,629/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$86,422/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,235
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,448
−HK$1,231/mo
Today · 4.125%
HK$47,679
baseline
▲ 0.50% · 4.625%
HK$50,192
+HK$2,513/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$95,358/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,656 · 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).