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$22,578
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,280
−HK$714/mo
Today · 4.125%
HK$23,994
baseline
▲ 0.50% · 4.625%
HK$25,454
+HK$1,460/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,988/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,118
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,792
−HK$683/mo
Today · 4.125%
HK$26,475
baseline
▲ 0.50% · 4.625%
HK$27,870
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,950/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,094
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,936
−HK$857/mo
Today · 4.125%
HK$28,793
baseline
▲ 0.50% · 4.625%
HK$30,545
+HK$1,752/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,586/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,141
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,950
−HK$820/mo
Today · 4.125%
HK$31,770
baseline
▲ 0.50% · 4.625%
HK$33,445
+HK$1,675/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,540/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,609
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,593
−HK$998/mo
Today · 4.125%
HK$33,591
baseline
▲ 0.50% · 4.625%
HK$35,635
+HK$2,044/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,182/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,165
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,108
−HK$957/mo
Today · 4.125%
HK$37,065
baseline
▲ 0.50% · 4.625%
HK$39,019
+HK$1,954/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,130/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,641
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,905
−HK$1,284/mo
Today · 4.125%
HK$43,189
baseline
▲ 0.50% · 4.625%
HK$45,817
+HK$2,628/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,378/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,212
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,425
−HK$1,230/mo
Today · 4.125%
HK$47,655
baseline
▲ 0.50% · 4.625%
HK$50,167
+HK$2,512/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,310/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,155 · 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).