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$22,577
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,279
−HK$714/mo
Today · 4.125%
HK$23,993
baseline
▲ 0.50% · 4.625%
HK$25,453
+HK$1,460/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,986/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,117
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,790
−HK$684/mo
Today · 4.125%
HK$26,474
baseline
▲ 0.50% · 4.625%
HK$27,869
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,948/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,093
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,935
−HK$856/mo
Today · 4.125%
HK$28,791
baseline
▲ 0.50% · 4.625%
HK$30,543
+HK$1,752/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,582/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,140
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,949
−HK$820/mo
Today · 4.125%
HK$31,769
baseline
▲ 0.50% · 4.625%
HK$33,443
+HK$1,674/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,538/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,608
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,591
−HK$999/mo
Today · 4.125%
HK$33,590
baseline
▲ 0.50% · 4.625%
HK$35,634
+HK$2,044/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,180/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,164
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,107
−HK$956/mo
Today · 4.125%
HK$37,063
baseline
▲ 0.50% · 4.625%
HK$39,017
+HK$1,954/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,126/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,639
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,903
−HK$1,284/mo
Today · 4.125%
HK$43,187
baseline
▲ 0.50% · 4.625%
HK$45,815
+HK$2,628/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,374/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,210
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,423
−HK$1,230/mo
Today · 4.125%
HK$47,653
baseline
▲ 0.50% · 4.625%
HK$50,165
+HK$2,512/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,306/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,113 · 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).