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$22,562
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,264
−HK$713/mo
Today · 4.125%
HK$23,977
baseline
▲ 0.50% · 4.625%
HK$25,436
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,954/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,100
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,773
−HK$683/mo
Today · 4.125%
HK$26,456
baseline
▲ 0.50% · 4.625%
HK$27,851
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,912/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,075
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,917
−HK$855/mo
Today · 4.125%
HK$28,772
baseline
▲ 0.50% · 4.625%
HK$30,523
+HK$1,751/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,544/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,120
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,928
−HK$819/mo
Today · 4.125%
HK$31,747
baseline
▲ 0.50% · 4.625%
HK$33,421
+HK$1,674/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,494/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,587
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,569
−HK$999/mo
Today · 4.125%
HK$33,568
baseline
▲ 0.50% · 4.625%
HK$35,610
+HK$2,042/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,136/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,140
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,083
−HK$956/mo
Today · 4.125%
HK$37,039
baseline
▲ 0.50% · 4.625%
HK$38,991
+HK$1,952/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,078/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,612
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,875
−HK$1,283/mo
Today · 4.125%
HK$43,158
baseline
▲ 0.50% · 4.625%
HK$45,785
+HK$2,627/mo
Deposit HK$989K · loan HK$8.91M · min. income ≈ HK$86,316/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,180
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,392
−HK$1,229/mo
Today · 4.125%
HK$47,621
baseline
▲ 0.50% · 4.625%
HK$50,131
+HK$2,510/mo
Deposit HK$989K · loan HK$8.91M · min. income ≈ HK$95,242/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,454 · 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).