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$22,585
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,288
−HK$714/mo
Today · 4.125%
HK$24,002
baseline
▲ 0.50% · 4.625%
HK$25,462
+HK$1,460/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$48,004/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,126
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,800
−HK$684/mo
Today · 4.125%
HK$26,484
baseline
▲ 0.50% · 4.625%
HK$27,880
+HK$1,396/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,968/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,103
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,946
−HK$856/mo
Today · 4.125%
HK$28,802
baseline
▲ 0.50% · 4.625%
HK$30,555
+HK$1,753/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,604/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,151
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,960
−HK$820/mo
Today · 4.125%
HK$31,780
baseline
▲ 0.50% · 4.625%
HK$33,456
+HK$1,676/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,560/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,620
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,603
−HK$1,000/mo
Today · 4.125%
HK$33,603
baseline
▲ 0.50% · 4.625%
HK$35,647
+HK$2,044/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,206/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,177
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,120
−HK$957/mo
Today · 4.125%
HK$37,077
baseline
▲ 0.50% · 4.625%
HK$39,031
+HK$1,954/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,154/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,654
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,918
−HK$1,285/mo
Today · 4.125%
HK$43,203
baseline
▲ 0.50% · 4.625%
HK$45,832
+HK$2,629/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,406/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,227
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,440
−HK$1,231/mo
Today · 4.125%
HK$47,671
baseline
▲ 0.50% · 4.625%
HK$50,183
+HK$2,512/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,342/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,481 · 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).