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$22,570
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,272
−HK$713/mo
Today · 4.125%
HK$23,985
baseline
▲ 0.50% · 4.625%
HK$25,445
+HK$1,460/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,970/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,109
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,782
−HK$684/mo
Today · 4.125%
HK$26,466
baseline
▲ 0.50% · 4.625%
HK$27,861
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,932/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,084
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,927
−HK$855/mo
Today · 4.125%
HK$28,782
baseline
▲ 0.50% · 4.625%
HK$30,534
+HK$1,752/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,564/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,131
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,939
−HK$820/mo
Today · 4.125%
HK$31,759
baseline
▲ 0.50% · 4.625%
HK$33,433
+HK$1,674/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,518/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,598
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,581
−HK$999/mo
Today · 4.125%
HK$33,580
baseline
▲ 0.50% · 4.625%
HK$35,623
+HK$2,043/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,160/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,153
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,095
−HK$957/mo
Today · 4.125%
HK$37,052
baseline
▲ 0.50% · 4.625%
HK$39,005
+HK$1,953/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,104/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,626
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,890
−HK$1,284/mo
Today · 4.125%
HK$43,174
baseline
▲ 0.50% · 4.625%
HK$45,801
+HK$2,627/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,348/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,196
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,408
−HK$1,230/mo
Today · 4.125%
HK$47,638
baseline
▲ 0.50% · 4.625%
HK$50,149
+HK$2,511/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,276/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,803 · 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).