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$22,586
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,288
−HK$714/mo
Today · 4.125%
HK$24,002
baseline
▲ 0.50% · 4.625%
HK$25,463
+HK$1,461/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$48,004/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,127
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,801
−HK$683/mo
Today · 4.125%
HK$26,484
baseline
▲ 0.50% · 4.625%
HK$27,880
+HK$1,396/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,968/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,103
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,946
−HK$857/mo
Today · 4.125%
HK$28,803
baseline
▲ 0.50% · 4.625%
HK$30,555
+HK$1,752/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,606/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,152
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,961
−HK$820/mo
Today · 4.125%
HK$31,781
baseline
▲ 0.50% · 4.625%
HK$33,456
+HK$1,675/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,562/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,620
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,604
−HK$999/mo
Today · 4.125%
HK$33,603
baseline
▲ 0.50% · 4.625%
HK$35,648
+HK$2,045/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,206/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,177
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,121
−HK$957/mo
Today · 4.125%
HK$37,078
baseline
▲ 0.50% · 4.625%
HK$39,032
+HK$1,954/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,156/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,655
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,919
−HK$1,285/mo
Today · 4.125%
HK$43,204
baseline
▲ 0.50% · 4.625%
HK$45,833
+HK$2,629/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,408/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,228
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,441
−HK$1,230/mo
Today · 4.125%
HK$47,671
baseline
▲ 0.50% · 4.625%
HK$50,184
+HK$2,513/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,342/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,500 · 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).