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$22,564
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,266
−HK$713/mo
Today · 4.125%
HK$23,979
baseline
▲ 0.50% · 4.625%
HK$25,438
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,958/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,103
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,776
−HK$683/mo
Today · 4.125%
HK$26,459
baseline
▲ 0.50% · 4.625%
HK$27,853
+HK$1,394/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,918/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,077
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,919
−HK$856/mo
Today · 4.125%
HK$28,775
baseline
▲ 0.50% · 4.625%
HK$30,526
+HK$1,751/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,550/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,123
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,931
−HK$820/mo
Today · 4.125%
HK$31,751
baseline
▲ 0.50% · 4.625%
HK$33,424
+HK$1,673/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,502/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,590
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,573
−HK$998/mo
Today · 4.125%
HK$33,571
baseline
▲ 0.50% · 4.625%
HK$35,614
+HK$2,043/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,142/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,144
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,086
−HK$956/mo
Today · 4.125%
HK$37,042
baseline
▲ 0.50% · 4.625%
HK$38,995
+HK$1,953/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,084/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,616
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,879
−HK$1,284/mo
Today · 4.125%
HK$43,163
baseline
▲ 0.50% · 4.625%
HK$45,789
+HK$2,626/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,326/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,185
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,397
−HK$1,229/mo
Today · 4.125%
HK$47,626
baseline
▲ 0.50% · 4.625%
HK$50,136
+HK$2,510/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,252/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,553 · 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).