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$22,566
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,268
−HK$713/mo
Today · 4.125%
HK$23,981
baseline
▲ 0.50% · 4.625%
HK$25,440
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,962/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,104
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,777
−HK$683/mo
Today · 4.125%
HK$26,460
baseline
▲ 0.50% · 4.625%
HK$27,855
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,920/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,079
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,921
−HK$856/mo
Today · 4.125%
HK$28,777
baseline
▲ 0.50% · 4.625%
HK$30,528
+HK$1,751/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,554/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,125
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,933
−HK$820/mo
Today · 4.125%
HK$31,753
baseline
▲ 0.50% · 4.625%
HK$33,426
+HK$1,673/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,506/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,592
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,575
−HK$998/mo
Today · 4.125%
HK$33,573
baseline
▲ 0.50% · 4.625%
HK$35,616
+HK$2,043/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,146/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,146
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,088
−HK$957/mo
Today · 4.125%
HK$37,045
baseline
▲ 0.50% · 4.625%
HK$38,997
+HK$1,952/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,090/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,618
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,882
−HK$1,283/mo
Today · 4.125%
HK$43,165
baseline
▲ 0.50% · 4.625%
HK$45,792
+HK$2,627/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,330/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,187
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,399
−HK$1,230/mo
Today · 4.125%
HK$47,629
baseline
▲ 0.50% · 4.625%
HK$50,139
+HK$2,510/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,258/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,613 · 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).