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$22,593
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,296
−HK$714/mo
Today · 4.125%
HK$24,010
baseline
▲ 0.50% · 4.625%
HK$25,471
+HK$1,461/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$48,020/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,134
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,808
−HK$684/mo
Today · 4.125%
HK$26,492
baseline
▲ 0.50% · 4.625%
HK$27,889
+HK$1,397/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,984/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,111
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,955
−HK$857/mo
Today · 4.125%
HK$28,812
baseline
▲ 0.50% · 4.625%
HK$30,565
+HK$1,753/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,624/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,161
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,970
−HK$821/mo
Today · 4.125%
HK$31,791
baseline
▲ 0.50% · 4.625%
HK$33,466
+HK$1,675/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,582/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,630
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,614
−HK$999/mo
Today · 4.125%
HK$33,613
baseline
▲ 0.50% · 4.625%
HK$35,659
+HK$2,046/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,226/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,188
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,132
−HK$957/mo
Today · 4.125%
HK$37,089
baseline
▲ 0.50% · 4.625%
HK$39,044
+HK$1,955/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,178/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,667
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,932
−HK$1,285/mo
Today · 4.125%
HK$43,217
baseline
▲ 0.50% · 4.625%
HK$45,847
+HK$2,630/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$86,434/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,242
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,455
−HK$1,231/mo
Today · 4.125%
HK$47,686
baseline
▲ 0.50% · 4.625%
HK$50,200
+HK$2,514/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$95,372/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,803 · 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).