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$22,575
−HK$1,416/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$360,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,115
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,788
−HK$684/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$360,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,090
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,933
−HK$856/mo
Today · 4.125%
HK$28,789
baseline
▲ 0.50% · 4.625%
HK$30,541
+HK$1,752/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,578/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,034 · 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$33,440
+HK$1,674/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$360,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,605
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,589
−HK$998/mo
Today · 4.125%
HK$33,587
baseline
▲ 0.50% · 4.625%
HK$35,631
+HK$2,044/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,174/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,161
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,104
−HK$956/mo
Today · 4.125%
HK$37,060
baseline
▲ 0.50% · 4.625%
HK$39,014
+HK$1,954/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,120/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,034 · 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$45,811
+HK$2,627/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$360,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,207
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,419
−HK$1,230/mo
Today · 4.125%
HK$47,649
baseline
▲ 0.50% · 4.625%
HK$50,161
+HK$2,512/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,298/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,034 · 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).