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$22,563
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,265
−HK$713/mo
Today · 4.125%
HK$23,978
baseline
▲ 0.50% · 4.625%
HK$25,437
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,956/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,101
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,774
−HK$683/mo
Today · 4.125%
HK$26,457
baseline
▲ 0.50% · 4.625%
HK$27,852
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,914/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,075
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,918
−HK$855/mo
Today · 4.125%
HK$28,773
baseline
▲ 0.50% · 4.625%
HK$30,524
+HK$1,751/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,546/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,121
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,929
−HK$819/mo
Today · 4.125%
HK$31,748
baseline
▲ 0.50% · 4.625%
HK$33,422
+HK$1,674/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,496/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,588
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,571
−HK$998/mo
Today · 4.125%
HK$33,569
baseline
▲ 0.50% · 4.625%
HK$35,611
+HK$2,042/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,138/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,141
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,084
−HK$956/mo
Today · 4.125%
HK$37,040
baseline
▲ 0.50% · 4.625%
HK$38,992
+HK$1,952/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,080/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,613
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,876
−HK$1,284/mo
Today · 4.125%
HK$43,160
baseline
▲ 0.50% · 4.625%
HK$45,786
+HK$2,626/mo
Deposit HK$989K · loan HK$8.91M · min. income ≈ HK$86,320/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,182
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,393
−HK$1,230/mo
Today · 4.125%
HK$47,623
baseline
▲ 0.50% · 4.625%
HK$50,133
+HK$2,510/mo
Deposit HK$989K · loan HK$8.91M · min. income ≈ HK$95,246/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,486 · 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).