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$1,415/mo
▼ 0.25% · 3.875%
HK$23,278
−HK$713/mo
Today · 4.125%
HK$23,991
baseline
▲ 0.50% · 4.625%
HK$25,451
+HK$1,460/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,982/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,115
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,789
−HK$683/mo
Today · 4.125%
HK$26,472
baseline
▲ 0.50% · 4.625%
HK$27,867
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,944/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,091
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,933
−HK$857/mo
Today · 4.125%
HK$28,790
baseline
▲ 0.50% · 4.625%
HK$30,541
+HK$1,751/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$360,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,138
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,946
−HK$820/mo
Today · 4.125%
HK$31,766
baseline
▲ 0.50% · 4.625%
HK$33,441
+HK$1,675/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,532/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,606
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,589
−HK$999/mo
Today · 4.125%
HK$33,588
baseline
▲ 0.50% · 4.625%
HK$35,632
+HK$2,044/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,176/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,161
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,104
−HK$957/mo
Today · 4.125%
HK$37,061
baseline
▲ 0.50% · 4.625%
HK$39,014
+HK$1,953/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,122/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,636
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,900
−HK$1,284/mo
Today · 4.125%
HK$43,184
baseline
▲ 0.50% · 4.625%
HK$45,812
+HK$2,628/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,368/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,207
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,420
−HK$1,230/mo
Today · 4.125%
HK$47,650
baseline
▲ 0.50% · 4.625%
HK$50,161
+HK$2,511/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,300/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,046 · 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).