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$22,574
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,276
−HK$713/mo
Today · 4.125%
HK$23,989
baseline
▲ 0.50% · 4.625%
HK$25,449
+HK$1,460/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$47,978/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,113
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,787
−HK$683/mo
Today · 4.125%
HK$26,470
baseline
▲ 0.50% · 4.625%
HK$27,865
+HK$1,395/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,940/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$359,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,089
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,931
−HK$856/mo
Today · 4.125%
HK$28,787
baseline
▲ 0.50% · 4.625%
HK$30,539
+HK$1,752/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,574/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,136
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,944
−HK$820/mo
Today · 4.125%
HK$31,764
baseline
▲ 0.50% · 4.625%
HK$33,438
+HK$1,674/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,528/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$359,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,603
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,587
−HK$998/mo
Today · 4.125%
HK$33,585
baseline
▲ 0.50% · 4.625%
HK$35,629
+HK$2,044/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$67,170/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,159
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,101
−HK$957/mo
Today · 4.125%
HK$37,058
baseline
▲ 0.50% · 4.625%
HK$39,011
+HK$1,953/mo
Deposit HK$2.97M · loan HK$6.93M · min. income ≈ HK$74,116/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$359,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,633
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,897
−HK$1,284/mo
Today · 4.125%
HK$43,181
baseline
▲ 0.50% · 4.625%
HK$45,809
+HK$2,628/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$86,362/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,204
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,416
−HK$1,230/mo
Today · 4.125%
HK$47,646
baseline
▲ 0.50% · 4.625%
HK$50,158
+HK$2,512/mo
Deposit HK$990K · loan HK$8.91M · min. income ≈ HK$95,292/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,973 · 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).