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$22,567
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,269
−HK$713/mo
Today · 4.125%
HK$23,982
baseline
▲ 0.50% · 4.625%
HK$25,441
+HK$1,459/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,964/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,105
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,779
−HK$683/mo
Today · 4.125%
HK$26,462
baseline
▲ 0.50% · 4.625%
HK$27,857
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,924/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,080
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,922
−HK$856/mo
Today · 4.125%
HK$28,778
baseline
▲ 0.50% · 4.625%
HK$30,529
+HK$1,751/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,556/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,126
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,934
−HK$820/mo
Today · 4.125%
HK$31,754
baseline
▲ 0.50% · 4.625%
HK$33,428
+HK$1,674/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,508/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,594
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,576
−HK$999/mo
Today · 4.125%
HK$33,575
baseline
▲ 0.50% · 4.625%
HK$35,618
+HK$2,043/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,150/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,147
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,090
−HK$956/mo
Today · 4.125%
HK$37,046
baseline
▲ 0.50% · 4.625%
HK$38,999
+HK$1,953/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,092/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,620
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,884
−HK$1,283/mo
Today · 4.125%
HK$43,167
baseline
▲ 0.50% · 4.625%
HK$45,794
+HK$2,627/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,334/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,190
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,402
−HK$1,229/mo
Today · 4.125%
HK$47,631
baseline
▲ 0.50% · 4.625%
HK$50,142
+HK$2,511/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,262/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,661 · 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).