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$22,594
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,297
−HK$714/mo
Today · 4.125%
HK$24,011
baseline
▲ 0.50% · 4.625%
HK$25,472
+HK$1,461/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$48,022/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$360,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,136
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,810
−HK$684/mo
Today · 4.125%
HK$26,494
baseline
▲ 0.50% · 4.625%
HK$27,890
+HK$1,396/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,988/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$360,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,113
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,956
−HK$857/mo
Today · 4.125%
HK$28,813
baseline
▲ 0.50% · 4.625%
HK$30,567
+HK$1,754/mo
Deposit HK$3.96M · loan HK$5.95M · min. income ≈ HK$57,626/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,163
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,972
−HK$821/mo
Today · 4.125%
HK$31,793
baseline
▲ 0.50% · 4.625%
HK$33,468
+HK$1,675/mo
Deposit HK$3.96M · loan HK$5.95M · min. income ≈ HK$63,586/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,632
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,616
−HK$1,000/mo
Today · 4.125%
HK$33,616
baseline
▲ 0.50% · 4.625%
HK$35,661
+HK$2,045/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,232/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,190
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,134
−HK$957/mo
Today · 4.125%
HK$37,091
baseline
▲ 0.50% · 4.625%
HK$39,047
+HK$1,956/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,182/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,670
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,935
−HK$1,285/mo
Today · 4.125%
HK$43,220
baseline
▲ 0.50% · 4.625%
HK$45,850
+HK$2,630/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$86,440/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,245
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,458
−HK$1,231/mo
Today · 4.125%
HK$47,689
baseline
▲ 0.50% · 4.625%
HK$50,203
+HK$2,514/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$95,378/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,864 · 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).