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$22,553
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,254
−HK$713/mo
Today · 4.125%
HK$23,967
baseline
▲ 0.50% · 4.625%
HK$25,426
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,934/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$359,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,090
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,763
−HK$682/mo
Today · 4.125%
HK$26,445
baseline
▲ 0.50% · 4.625%
HK$27,839
+HK$1,394/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,890/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$359,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,064
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,905
−HK$856/mo
Today · 4.125%
HK$28,761
baseline
▲ 0.50% · 4.625%
HK$30,511
+HK$1,750/mo
Deposit HK$3.96M · loan HK$5.93M · min. income ≈ HK$57,522/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,108
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,915
−HK$820/mo
Today · 4.125%
HK$31,735
baseline
▲ 0.50% · 4.625%
HK$33,407
+HK$1,672/mo
Deposit HK$3.96M · loan HK$5.93M · min. income ≈ HK$63,470/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,574
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,556
−HK$998/mo
Today · 4.125%
HK$33,554
baseline
▲ 0.50% · 4.625%
HK$35,596
+HK$2,042/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,108/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,126
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,068
−HK$956/mo
Today · 4.125%
HK$37,024
baseline
▲ 0.50% · 4.625%
HK$38,975
+HK$1,951/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$74,048/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,595
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,858
−HK$1,283/mo
Today · 4.125%
HK$43,141
baseline
▲ 0.50% · 4.625%
HK$45,766
+HK$2,625/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,282/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,162
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,373
−HK$1,229/mo
Today · 4.125%
HK$47,602
baseline
▲ 0.50% · 4.625%
HK$50,111
+HK$2,509/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,204/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,052 · 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).