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$22,569
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,271
−HK$713/mo
Today · 4.125%
HK$23,984
baseline
▲ 0.50% · 4.625%
HK$25,444
+HK$1,460/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,968/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,108
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,781
−HK$683/mo
Today · 4.125%
HK$26,464
baseline
▲ 0.50% · 4.625%
HK$27,859
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,928/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,083
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,925
−HK$856/mo
Today · 4.125%
HK$28,781
baseline
▲ 0.50% · 4.625%
HK$30,532
+HK$1,751/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,562/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,129
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,937
−HK$820/mo
Today · 4.125%
HK$31,757
baseline
▲ 0.50% · 4.625%
HK$33,431
+HK$1,674/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,514/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,596
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,579
−HK$999/mo
Today · 4.125%
HK$33,578
baseline
▲ 0.50% · 4.625%
HK$35,621
+HK$2,043/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,156/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,151
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,093
−HK$957/mo
Today · 4.125%
HK$37,050
baseline
▲ 0.50% · 4.625%
HK$39,003
+HK$1,953/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,100/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,624
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,888
−HK$1,284/mo
Today · 4.125%
HK$43,172
baseline
▲ 0.50% · 4.625%
HK$45,798
+HK$2,626/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,344/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,194
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,406
−HK$1,230/mo
Today · 4.125%
HK$47,636
baseline
▲ 0.50% · 4.625%
HK$50,146
+HK$2,510/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,272/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,753 · 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).