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$22,587
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,289
−HK$714/mo
Today · 4.125%
HK$24,003
baseline
▲ 0.50% · 4.625%
HK$25,463
+HK$1,460/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$48,006/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,127
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,801
−HK$684/mo
Today · 4.125%
HK$26,485
baseline
▲ 0.50% · 4.625%
HK$27,881
+HK$1,396/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,970/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,104
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,947
−HK$857/mo
Today · 4.125%
HK$28,804
baseline
▲ 0.50% · 4.625%
HK$30,556
+HK$1,752/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,608/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,153
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,961
−HK$821/mo
Today · 4.125%
HK$31,782
baseline
▲ 0.50% · 4.625%
HK$33,457
+HK$1,675/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,564/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,621
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,605
−HK$999/mo
Today · 4.125%
HK$33,604
baseline
▲ 0.50% · 4.625%
HK$35,649
+HK$2,045/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,208/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,178
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,122
−HK$957/mo
Today · 4.125%
HK$37,079
baseline
▲ 0.50% · 4.625%
HK$39,033
+HK$1,954/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,158/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,656
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,920
−HK$1,285/mo
Today · 4.125%
HK$43,205
baseline
▲ 0.50% · 4.625%
HK$45,834
+HK$2,629/mo
Deposit HK$991K · loan HK$8.91M · min. income ≈ HK$86,410/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,229
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,442
−HK$1,231/mo
Today · 4.125%
HK$47,673
baseline
▲ 0.50% · 4.625%
HK$50,186
+HK$2,513/mo
Deposit HK$991K · loan HK$8.91M · min. income ≈ HK$95,346/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,527 · 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).