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$22,581
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,283
−HK$714/mo
Today · 4.125%
HK$23,997
baseline
▲ 0.50% · 4.625%
HK$25,457
+HK$1,460/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,994/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,121
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,794
−HK$684/mo
Today · 4.125%
HK$26,478
baseline
▲ 0.50% · 4.625%
HK$27,874
+HK$1,396/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,956/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,097
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,940
−HK$856/mo
Today · 4.125%
HK$28,796
baseline
▲ 0.50% · 4.625%
HK$30,548
+HK$1,752/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,592/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,145
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,953
−HK$821/mo
Today · 4.125%
HK$31,774
baseline
▲ 0.50% · 4.625%
HK$33,448
+HK$1,674/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,548/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,613
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,596
−HK$999/mo
Today · 4.125%
HK$33,595
baseline
▲ 0.50% · 4.625%
HK$35,640
+HK$2,045/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,190/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,169
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,112
−HK$957/mo
Today · 4.125%
HK$37,069
baseline
▲ 0.50% · 4.625%
HK$39,023
+HK$1,954/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,138/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,645
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,909
−HK$1,285/mo
Today · 4.125%
HK$43,194
baseline
▲ 0.50% · 4.625%
HK$45,822
+HK$2,628/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,388/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,217
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,430
−HK$1,230/mo
Today · 4.125%
HK$47,660
baseline
▲ 0.50% · 4.625%
HK$50,173
+HK$2,513/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,320/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,268 · 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).