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$22,594
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,296
−HK$714/mo
Today · 4.125%
HK$24,010
baseline
▲ 0.50% · 4.625%
HK$25,471
+HK$1,461/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$48,020/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$360,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,135
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,809
−HK$684/mo
Today · 4.125%
HK$26,493
baseline
▲ 0.50% · 4.625%
HK$27,890
+HK$1,397/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,986/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$360,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,112
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,956
−HK$856/mo
Today · 4.125%
HK$28,812
baseline
▲ 0.50% · 4.625%
HK$30,566
+HK$1,754/mo
Deposit HK$3.96M · loan HK$5.95M · min. income ≈ HK$57,624/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,162
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,971
−HK$821/mo
Today · 4.125%
HK$31,792
baseline
▲ 0.50% · 4.625%
HK$33,468
+HK$1,676/mo
Deposit HK$3.96M · loan HK$5.95M · min. income ≈ HK$63,584/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,631
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,615
−HK$1,000/mo
Today · 4.125%
HK$33,615
baseline
▲ 0.50% · 4.625%
HK$35,660
+HK$2,045/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,230/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,189
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,133
−HK$957/mo
Today · 4.125%
HK$37,090
baseline
▲ 0.50% · 4.625%
HK$39,045
+HK$1,955/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,180/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,668
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,933
−HK$1,286/mo
Today · 4.125%
HK$43,219
baseline
▲ 0.50% · 4.625%
HK$45,848
+HK$2,629/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$86,438/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,243
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,457
−HK$1,231/mo
Today · 4.125%
HK$47,688
baseline
▲ 0.50% · 4.625%
HK$50,201
+HK$2,513/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$95,376/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,835 · 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).