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$22,567
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,269
−HK$713/mo
Today · 4.125%
HK$23,982
baseline
▲ 0.50% · 4.625%
HK$25,442
+HK$1,460/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,964/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,106
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,779
−HK$683/mo
Today · 4.125%
HK$26,462
baseline
▲ 0.50% · 4.625%
HK$27,857
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,924/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,081
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,923
−HK$856/mo
Today · 4.125%
HK$28,779
baseline
▲ 0.50% · 4.625%
HK$30,530
+HK$1,751/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,558/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,127
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,935
−HK$820/mo
Today · 4.125%
HK$31,755
baseline
▲ 0.50% · 4.625%
HK$33,428
+HK$1,673/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,510/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,594
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,577
−HK$998/mo
Today · 4.125%
HK$33,575
baseline
▲ 0.50% · 4.625%
HK$35,618
+HK$2,043/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,150/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,148
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,091
−HK$956/mo
Today · 4.125%
HK$37,047
baseline
▲ 0.50% · 4.625%
HK$39,000
+HK$1,953/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,094/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,621
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,884
−HK$1,284/mo
Today · 4.125%
HK$43,168
baseline
▲ 0.50% · 4.625%
HK$45,795
+HK$2,627/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,336/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,190
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,402
−HK$1,230/mo
Today · 4.125%
HK$47,632
baseline
▲ 0.50% · 4.625%
HK$50,142
+HK$2,510/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,264/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,675 · 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).