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$22,579
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,281
−HK$714/mo
Today · 4.125%
HK$23,995
baseline
▲ 0.50% · 4.625%
HK$25,455
+HK$1,460/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,990/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,119
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,793
−HK$683/mo
Today · 4.125%
HK$26,476
baseline
▲ 0.50% · 4.625%
HK$27,872
+HK$1,396/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,952/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,095
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,938
−HK$856/mo
Today · 4.125%
HK$28,794
baseline
▲ 0.50% · 4.625%
HK$30,546
+HK$1,752/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,588/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,143
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,951
−HK$820/mo
Today · 4.125%
HK$31,771
baseline
▲ 0.50% · 4.625%
HK$33,446
+HK$1,675/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,542/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,611
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,594
−HK$999/mo
Today · 4.125%
HK$33,593
baseline
▲ 0.50% · 4.625%
HK$35,637
+HK$2,044/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,186/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,166
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,110
−HK$956/mo
Today · 4.125%
HK$37,066
baseline
▲ 0.50% · 4.625%
HK$39,020
+HK$1,954/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,132/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,642
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,906
−HK$1,285/mo
Today · 4.125%
HK$43,191
baseline
▲ 0.50% · 4.625%
HK$45,819
+HK$2,628/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,382/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,214
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,427
−HK$1,230/mo
Today · 4.125%
HK$47,657
baseline
▲ 0.50% · 4.625%
HK$50,169
+HK$2,512/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,314/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,195 · 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).