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$22,556
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,258
−HK$713/mo
Today · 4.125%
HK$23,971
baseline
▲ 0.50% · 4.625%
HK$25,429
+HK$1,458/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,942/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,094
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,767
−HK$682/mo
Today · 4.125%
HK$26,449
baseline
▲ 0.50% · 4.625%
HK$27,844
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,898/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,068
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,910
−HK$855/mo
Today · 4.125%
HK$28,765
baseline
▲ 0.50% · 4.625%
HK$30,515
+HK$1,750/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,530/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,112
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,920
−HK$819/mo
Today · 4.125%
HK$31,739
baseline
▲ 0.50% · 4.625%
HK$33,412
+HK$1,673/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,478/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,579
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,561
−HK$998/mo
Today · 4.125%
HK$33,559
baseline
▲ 0.50% · 4.625%
HK$35,601
+HK$2,042/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,118/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,131
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,073
−HK$956/mo
Today · 4.125%
HK$37,029
baseline
▲ 0.50% · 4.625%
HK$38,981
+HK$1,952/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$74,058/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,601
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,864
−HK$1,284/mo
Today · 4.125%
HK$43,148
baseline
▲ 0.50% · 4.625%
HK$45,773
+HK$2,625/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,296/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,169
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,380
−HK$1,229/mo
Today · 4.125%
HK$47,609
baseline
▲ 0.50% · 4.625%
HK$50,119
+HK$2,510/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,218/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,203 · 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).