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$22,560
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,262
−HK$713/mo
Today · 4.125%
HK$23,975
baseline
▲ 0.50% · 4.625%
HK$25,434
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,950/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,098
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,771
−HK$683/mo
Today · 4.125%
HK$26,454
baseline
▲ 0.50% · 4.625%
HK$27,848
+HK$1,394/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,908/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,072
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,914
−HK$856/mo
Today · 4.125%
HK$28,770
baseline
▲ 0.50% · 4.625%
HK$30,520
+HK$1,750/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,540/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,117
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,925
−HK$820/mo
Today · 4.125%
HK$31,745
baseline
▲ 0.50% · 4.625%
HK$33,418
+HK$1,673/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,490/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,584
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,566
−HK$999/mo
Today · 4.125%
HK$33,565
baseline
▲ 0.50% · 4.625%
HK$35,607
+HK$2,042/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,130/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,137
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,079
−HK$956/mo
Today · 4.125%
HK$37,035
baseline
▲ 0.50% · 4.625%
HK$38,987
+HK$1,952/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,070/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,608
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,871
−HK$1,284/mo
Today · 4.125%
HK$43,155
baseline
▲ 0.50% · 4.625%
HK$45,780
+HK$2,625/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,310/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,176
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,388
−HK$1,229/mo
Today · 4.125%
HK$47,617
baseline
▲ 0.50% · 4.625%
HK$50,127
+HK$2,510/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,234/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,364 · 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).