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$22,558
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,260
−HK$713/mo
Today · 4.125%
HK$23,973
baseline
▲ 0.50% · 4.625%
HK$25,431
+HK$1,458/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,946/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,096
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,769
−HK$682/mo
Today · 4.125%
HK$26,451
baseline
▲ 0.50% · 4.625%
HK$27,846
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,902/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,070
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,912
−HK$855/mo
Today · 4.125%
HK$28,767
baseline
▲ 0.50% · 4.625%
HK$30,517
+HK$1,750/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,534/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,115
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,922
−HK$820/mo
Today · 4.125%
HK$31,742
baseline
▲ 0.50% · 4.625%
HK$33,415
+HK$1,673/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,484/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,581
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,564
−HK$998/mo
Today · 4.125%
HK$33,562
baseline
▲ 0.50% · 4.625%
HK$35,604
+HK$2,042/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$67,124/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,134
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,076
−HK$956/mo
Today · 4.125%
HK$37,032
baseline
▲ 0.50% · 4.625%
HK$38,984
+HK$1,952/mo
Deposit HK$2.97M · loan HK$6.92M · min. income ≈ HK$74,064/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,604
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,867
−HK$1,284/mo
Today · 4.125%
HK$43,151
baseline
▲ 0.50% · 4.625%
HK$45,776
+HK$2,625/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,302/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,172
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,383
−HK$1,229/mo
Today · 4.125%
HK$47,612
baseline
▲ 0.50% · 4.625%
HK$50,122
+HK$2,510/mo
Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$95,224/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,274 · 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).