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$22,569
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,271
−HK$714/mo
Today · 4.125%
HK$23,985
baseline
▲ 0.50% · 4.625%
HK$25,444
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,970/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,108
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,782
−HK$683/mo
Today · 4.125%
HK$26,465
baseline
▲ 0.50% · 4.625%
HK$27,860
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,930/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,083
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,926
−HK$856/mo
Today · 4.125%
HK$28,782
baseline
▲ 0.50% · 4.625%
HK$30,533
+HK$1,751/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,564/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,130
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,938
−HK$820/mo
Today · 4.125%
HK$31,758
baseline
▲ 0.50% · 4.625%
HK$33,432
+HK$1,674/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,516/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,597
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,580
−HK$999/mo
Today · 4.125%
HK$33,579
baseline
▲ 0.50% · 4.625%
HK$35,622
+HK$2,043/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,158/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,152
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,094
−HK$957/mo
Today · 4.125%
HK$37,051
baseline
▲ 0.50% · 4.625%
HK$39,004
+HK$1,953/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,102/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,625
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,889
−HK$1,283/mo
Today · 4.125%
HK$43,172
baseline
▲ 0.50% · 4.625%
HK$45,799
+HK$2,627/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,344/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,195
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,407
−HK$1,230/mo
Today · 4.125%
HK$47,637
baseline
▲ 0.50% · 4.625%
HK$50,148
+HK$2,511/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,274/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,776 · 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).