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$22,577
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,279
−HK$714/mo
Today · 4.125%
HK$23,993
baseline
▲ 0.50% · 4.625%
HK$25,452
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,986/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,100 · 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$27,869
+HK$1,396/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$360,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,092
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,935
−HK$856/mo
Today · 4.125%
HK$28,791
baseline
▲ 0.50% · 4.625%
HK$30,543
+HK$1,752/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,582/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,140
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,948
−HK$820/mo
Today · 4.125%
HK$31,768
baseline
▲ 0.50% · 4.625%
HK$33,443
+HK$1,675/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,536/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,608
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,591
−HK$999/mo
Today · 4.125%
HK$33,590
baseline
▲ 0.50% · 4.625%
HK$35,633
+HK$2,043/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,180/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,163
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,106
−HK$957/mo
Today · 4.125%
HK$37,063
baseline
▲ 0.50% · 4.625%
HK$39,016
+HK$1,953/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,126/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,638
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,902
−HK$1,285/mo
Today · 4.125%
HK$43,187
baseline
▲ 0.50% · 4.625%
HK$45,814
+HK$2,627/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,374/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,210
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,422
−HK$1,230/mo
Today · 4.125%
HK$47,652
baseline
▲ 0.50% · 4.625%
HK$50,164
+HK$2,512/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,304/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,100 · 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).