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$22,561
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,263
−HK$713/mo
Today · 4.125%
HK$23,976
baseline
▲ 0.50% · 4.625%
HK$25,435
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,952/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,099
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,772
−HK$683/mo
Today · 4.125%
HK$26,455
baseline
▲ 0.50% · 4.625%
HK$27,849
+HK$1,394/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,910/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,073
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,915
−HK$856/mo
Today · 4.125%
HK$28,771
baseline
▲ 0.50% · 4.625%
HK$30,522
+HK$1,751/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,542/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,119
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,926
−HK$820/mo
Today · 4.125%
HK$31,746
baseline
▲ 0.50% · 4.625%
HK$33,419
+HK$1,673/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,492/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,585
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,568
−HK$998/mo
Today · 4.125%
HK$33,566
baseline
▲ 0.50% · 4.625%
HK$35,608
+HK$2,042/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,132/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,138
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,081
−HK$956/mo
Today · 4.125%
HK$37,037
baseline
▲ 0.50% · 4.625%
HK$38,989
+HK$1,952/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,074/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,610
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,873
−HK$1,283/mo
Today · 4.125%
HK$43,156
baseline
▲ 0.50% · 4.625%
HK$45,782
+HK$2,626/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,312/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,178
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,390
−HK$1,229/mo
Today · 4.125%
HK$47,619
baseline
▲ 0.50% · 4.625%
HK$50,129
+HK$2,510/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,238/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,405 · 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).