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$22,585
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,287
−HK$714/mo
Today · 4.125%
HK$24,001
baseline
▲ 0.50% · 4.625%
HK$25,462
+HK$1,461/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$48,002/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,125
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,799
−HK$684/mo
Today · 4.125%
HK$26,483
baseline
▲ 0.50% · 4.625%
HK$27,879
+HK$1,396/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,966/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,102
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,945
−HK$856/mo
Today · 4.125%
HK$28,801
baseline
▲ 0.50% · 4.625%
HK$30,554
+HK$1,753/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,602/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,150
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,959
−HK$820/mo
Today · 4.125%
HK$31,779
baseline
▲ 0.50% · 4.625%
HK$33,455
+HK$1,676/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,558/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,619
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,602
−HK$1,000/mo
Today · 4.125%
HK$33,602
baseline
▲ 0.50% · 4.625%
HK$35,646
+HK$2,044/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,204/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,176
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,119
−HK$957/mo
Today · 4.125%
HK$37,076
baseline
▲ 0.50% · 4.625%
HK$39,030
+HK$1,954/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,152/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,653
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,917
−HK$1,285/mo
Today · 4.125%
HK$43,202
baseline
▲ 0.50% · 4.625%
HK$45,831
+HK$2,629/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,404/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,226
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,439
−HK$1,230/mo
Today · 4.125%
HK$47,669
baseline
▲ 0.50% · 4.625%
HK$50,182
+HK$2,513/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,338/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,452 · 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).