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$22,559
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,261
−HK$712/mo
Today · 4.125%
HK$23,973
baseline
▲ 0.50% · 4.625%
HK$25,432
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,946/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,096
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,770
−HK$682/mo
Today · 4.125%
HK$26,452
baseline
▲ 0.50% · 4.625%
HK$27,847
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,904/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,071
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,913
−HK$855/mo
Today · 4.125%
HK$28,768
baseline
▲ 0.50% · 4.625%
HK$30,519
+HK$1,751/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,536/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,116
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,923
−HK$820/mo
Today · 4.125%
HK$31,743
baseline
▲ 0.50% · 4.625%
HK$33,416
+HK$1,673/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,486/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,582
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,565
−HK$998/mo
Today · 4.125%
HK$33,563
baseline
▲ 0.50% · 4.625%
HK$35,605
+HK$2,042/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,126/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,135
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,077
−HK$956/mo
Today · 4.125%
HK$37,033
baseline
▲ 0.50% · 4.625%
HK$38,985
+HK$1,952/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,066/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,606
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,869
−HK$1,283/mo
Today · 4.125%
HK$43,152
baseline
▲ 0.50% · 4.625%
HK$45,778
+HK$2,626/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,304/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,174
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,385
−HK$1,229/mo
Today · 4.125%
HK$47,614
baseline
▲ 0.50% · 4.625%
HK$50,124
+HK$2,510/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,228/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,312 · 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).