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$22,557
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,258
−HK$713/mo
Today · 4.125%
HK$23,971
baseline
▲ 0.50% · 4.625%
HK$25,430
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,942/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,094
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,767
−HK$683/mo
Today · 4.125%
HK$26,450
baseline
▲ 0.50% · 4.625%
HK$27,844
+HK$1,394/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,900/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,068
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,910
−HK$855/mo
Today · 4.125%
HK$28,765
baseline
▲ 0.50% · 4.625%
HK$30,516
+HK$1,751/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,530/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,113
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,921
−HK$819/mo
Today · 4.125%
HK$31,740
baseline
▲ 0.50% · 4.625%
HK$33,413
+HK$1,673/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,480/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,579
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,562
−HK$998/mo
Today · 4.125%
HK$33,560
baseline
▲ 0.50% · 4.625%
HK$35,602
+HK$2,042/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,120/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,132
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,074
−HK$956/mo
Today · 4.125%
HK$37,030
baseline
▲ 0.50% · 4.625%
HK$38,982
+HK$1,952/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$74,060/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,602
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,865
−HK$1,283/mo
Today · 4.125%
HK$43,148
baseline
▲ 0.50% · 4.625%
HK$45,774
+HK$2,626/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,296/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,169
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,381
−HK$1,229/mo
Today · 4.125%
HK$47,610
baseline
▲ 0.50% · 4.625%
HK$50,119
+HK$2,509/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,220/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,218 · 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).