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$22,571
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,273
−HK$714/mo
Today · 4.125%
HK$23,987
baseline
▲ 0.50% · 4.625%
HK$25,446
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,974/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,110
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,784
−HK$683/mo
Today · 4.125%
HK$26,467
baseline
▲ 0.50% · 4.625%
HK$27,862
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,934/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,086
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,928
−HK$856/mo
Today · 4.125%
HK$28,784
baseline
▲ 0.50% · 4.625%
HK$30,536
+HK$1,752/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,568/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,133
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,941
−HK$819/mo
Today · 4.125%
HK$31,760
baseline
▲ 0.50% · 4.625%
HK$33,435
+HK$1,675/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,520/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,600
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,583
−HK$999/mo
Today · 4.125%
HK$33,582
baseline
▲ 0.50% · 4.625%
HK$35,625
+HK$2,043/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,164/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,155
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,097
−HK$957/mo
Today · 4.125%
HK$37,054
baseline
▲ 0.50% · 4.625%
HK$39,007
+HK$1,953/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,108/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,628
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,892
−HK$1,284/mo
Today · 4.125%
HK$43,176
baseline
▲ 0.50% · 4.625%
HK$45,803
+HK$2,627/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,352/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,199
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,411
−HK$1,230/mo
Today · 4.125%
HK$47,641
baseline
▲ 0.50% · 4.625%
HK$50,152
+HK$2,511/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,282/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,861 · 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).