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$22,568
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,270
−HK$713/mo
Today · 4.125%
HK$23,983
baseline
▲ 0.50% · 4.625%
HK$25,442
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,966/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,107
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,780
−HK$683/mo
Today · 4.125%
HK$26,463
baseline
▲ 0.50% · 4.625%
HK$27,858
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,926/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,081
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,924
−HK$856/mo
Today · 4.125%
HK$28,780
baseline
▲ 0.50% · 4.625%
HK$30,531
+HK$1,751/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,560/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,128
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,936
−HK$820/mo
Today · 4.125%
HK$31,756
baseline
▲ 0.50% · 4.625%
HK$33,429
+HK$1,673/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,512/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,595
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,578
−HK$998/mo
Today · 4.125%
HK$33,576
baseline
▲ 0.50% · 4.625%
HK$35,619
+HK$2,043/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,152/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,149
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,092
−HK$956/mo
Today · 4.125%
HK$37,048
baseline
▲ 0.50% · 4.625%
HK$39,001
+HK$1,953/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,096/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,622
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,886
−HK$1,283/mo
Today · 4.125%
HK$43,169
baseline
▲ 0.50% · 4.625%
HK$45,796
+HK$2,627/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,338/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,192
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,404
−HK$1,229/mo
Today · 4.125%
HK$47,633
baseline
▲ 0.50% · 4.625%
HK$50,144
+HK$2,511/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,266/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,707 · 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).