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$22,583
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,286
−HK$714/mo
Today · 4.125%
HK$24,000
baseline
▲ 0.50% · 4.625%
HK$25,460
+HK$1,460/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$48,000/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,124
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,798
−HK$683/mo
Today · 4.125%
HK$26,481
baseline
▲ 0.50% · 4.625%
HK$27,877
+HK$1,396/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,962/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,100
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,943
−HK$856/mo
Today · 4.125%
HK$28,799
baseline
▲ 0.50% · 4.625%
HK$30,552
+HK$1,753/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,598/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,149
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,957
−HK$820/mo
Today · 4.125%
HK$31,777
baseline
▲ 0.50% · 4.625%
HK$33,452
+HK$1,675/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,554/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,617
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,600
−HK$999/mo
Today · 4.125%
HK$33,599
baseline
▲ 0.50% · 4.625%
HK$35,644
+HK$2,045/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,198/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,173
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,117
−HK$957/mo
Today · 4.125%
HK$37,074
baseline
▲ 0.50% · 4.625%
HK$39,028
+HK$1,954/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,148/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,650
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,915
−HK$1,284/mo
Today · 4.125%
HK$43,199
baseline
▲ 0.50% · 4.625%
HK$45,828
+HK$2,629/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,398/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,223
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,436
−HK$1,230/mo
Today · 4.125%
HK$47,666
baseline
▲ 0.50% · 4.625%
HK$50,179
+HK$2,513/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,332/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,388 · 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).