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$22,569
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,271
−HK$713/mo
Today · 4.125%
HK$23,984
baseline
▲ 0.50% · 4.625%
HK$25,443
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,968/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,107
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,781
−HK$683/mo
Today · 4.125%
HK$26,464
baseline
▲ 0.50% · 4.625%
HK$27,859
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,928/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,082
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,925
−HK$856/mo
Today · 4.125%
HK$28,781
baseline
▲ 0.50% · 4.625%
HK$30,532
+HK$1,751/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,562/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,129
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,937
−HK$820/mo
Today · 4.125%
HK$31,757
baseline
▲ 0.50% · 4.625%
HK$33,430
+HK$1,673/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,514/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,596
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,579
−HK$998/mo
Today · 4.125%
HK$33,577
baseline
▲ 0.50% · 4.625%
HK$35,620
+HK$2,043/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,154/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,150
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,093
−HK$956/mo
Today · 4.125%
HK$37,049
baseline
▲ 0.50% · 4.625%
HK$39,002
+HK$1,953/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,098/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,623
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,887
−HK$1,284/mo
Today · 4.125%
HK$43,171
baseline
▲ 0.50% · 4.625%
HK$45,798
+HK$2,627/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,342/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,193
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,405
−HK$1,230/mo
Today · 4.125%
HK$47,635
baseline
▲ 0.50% · 4.625%
HK$50,146
+HK$2,511/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,270/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,739 · 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).