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$22,565
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,267
−HK$713/mo
Today · 4.125%
HK$23,980
baseline
▲ 0.50% · 4.625%
HK$25,439
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,960/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,104
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,777
−HK$683/mo
Today · 4.125%
HK$26,460
baseline
▲ 0.50% · 4.625%
HK$27,855
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,920/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,078
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,921
−HK$855/mo
Today · 4.125%
HK$28,776
baseline
▲ 0.50% · 4.625%
HK$30,527
+HK$1,751/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,552/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,124
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,932
−HK$820/mo
Today · 4.125%
HK$31,752
baseline
▲ 0.50% · 4.625%
HK$33,426
+HK$1,674/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,504/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,591
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,574
−HK$998/mo
Today · 4.125%
HK$33,572
baseline
▲ 0.50% · 4.625%
HK$35,615
+HK$2,043/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,144/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,145
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,088
−HK$956/mo
Today · 4.125%
HK$37,044
baseline
▲ 0.50% · 4.625%
HK$38,996
+HK$1,952/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,088/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,617
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,881
−HK$1,284/mo
Today · 4.125%
HK$43,165
baseline
▲ 0.50% · 4.625%
HK$45,791
+HK$2,626/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,330/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,186
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,398
−HK$1,230/mo
Today · 4.125%
HK$47,628
baseline
▲ 0.50% · 4.625%
HK$50,138
+HK$2,510/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,256/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,593 · 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).