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$22,582
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,284
−HK$714/mo
Today · 4.125%
HK$23,998
baseline
▲ 0.50% · 4.625%
HK$25,458
+HK$1,460/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,996/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,122
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,796
−HK$683/mo
Today · 4.125%
HK$26,479
baseline
▲ 0.50% · 4.625%
HK$27,875
+HK$1,396/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,958/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,098
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,941
−HK$856/mo
Today · 4.125%
HK$28,797
baseline
▲ 0.50% · 4.625%
HK$30,550
+HK$1,753/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,594/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,146
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,955
−HK$820/mo
Today · 4.125%
HK$31,775
baseline
▲ 0.50% · 4.625%
HK$33,450
+HK$1,675/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,550/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,614
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,598
−HK$999/mo
Today · 4.125%
HK$33,597
baseline
▲ 0.50% · 4.625%
HK$35,641
+HK$2,044/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,194/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,171
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,114
−HK$957/mo
Today · 4.125%
HK$37,071
baseline
▲ 0.50% · 4.625%
HK$39,025
+HK$1,954/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,142/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,647
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,911
−HK$1,285/mo
Today · 4.125%
HK$43,196
baseline
▲ 0.50% · 4.625%
HK$45,824
+HK$2,628/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,392/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,219
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,432
−HK$1,230/mo
Today · 4.125%
HK$47,662
baseline
▲ 0.50% · 4.625%
HK$50,175
+HK$2,513/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,324/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,313 · 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).