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$22,576
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,279
−HK$713/mo
Today · 4.125%
HK$23,992
baseline
▲ 0.50% · 4.625%
HK$25,452
+HK$1,460/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,984/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,116
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,790
−HK$683/mo
Today · 4.125%
HK$26,473
baseline
▲ 0.50% · 4.625%
HK$27,868
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,946/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,092
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,934
−HK$856/mo
Today · 4.125%
HK$28,790
baseline
▲ 0.50% · 4.625%
HK$30,542
+HK$1,752/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,580/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,139
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,947
−HK$820/mo
Today · 4.125%
HK$31,767
baseline
▲ 0.50% · 4.625%
HK$33,442
+HK$1,675/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,534/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,607
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,590
−HK$999/mo
Today · 4.125%
HK$33,589
baseline
▲ 0.50% · 4.625%
HK$35,633
+HK$2,044/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,178/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,162
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,105
−HK$957/mo
Today · 4.125%
HK$37,062
baseline
▲ 0.50% · 4.625%
HK$39,016
+HK$1,954/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,124/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,637
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,901
−HK$1,285/mo
Today · 4.125%
HK$43,186
baseline
▲ 0.50% · 4.625%
HK$45,813
+HK$2,627/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,372/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,209
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,421
−HK$1,230/mo
Today · 4.125%
HK$47,651
baseline
▲ 0.50% · 4.625%
HK$50,163
+HK$2,512/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,302/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,079 · 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).