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$22,555
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,256
−HK$713/mo
Today · 4.125%
HK$23,969
baseline
▲ 0.50% · 4.625%
HK$25,427
+HK$1,458/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,938/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$359,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,092
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,765
−HK$682/mo
Today · 4.125%
HK$26,447
baseline
▲ 0.50% · 4.625%
HK$27,841
+HK$1,394/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,894/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$359,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,065
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,907
−HK$856/mo
Today · 4.125%
HK$28,763
baseline
▲ 0.50% · 4.625%
HK$30,513
+HK$1,750/mo
Deposit HK$3.96M · loan HK$5.93M · min. income ≈ HK$57,526/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,110
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,918
−HK$819/mo
Today · 4.125%
HK$31,737
baseline
▲ 0.50% · 4.625%
HK$33,410
+HK$1,673/mo
Deposit HK$3.96M · loan HK$5.93M · min. income ≈ HK$63,474/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,576
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,559
−HK$998/mo
Today · 4.125%
HK$33,557
baseline
▲ 0.50% · 4.625%
HK$35,598
+HK$2,041/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,114/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,128
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,071
−HK$955/mo
Today · 4.125%
HK$37,026
baseline
▲ 0.50% · 4.625%
HK$38,978
+HK$1,952/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$74,052/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,598
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,861
−HK$1,283/mo
Today · 4.125%
HK$43,144
baseline
▲ 0.50% · 4.625%
HK$45,769
+HK$2,625/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,288/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,165
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,376
−HK$1,229/mo
Today · 4.125%
HK$47,605
baseline
▲ 0.50% · 4.625%
HK$50,115
+HK$2,510/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,210/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,125 · 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).