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$22,595
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,298
−HK$714/mo
Today · 4.125%
HK$24,012
baseline
▲ 0.50% · 4.625%
HK$25,473
+HK$1,461/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$48,024/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$360,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,137
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,811
−HK$684/mo
Today · 4.125%
HK$26,495
baseline
▲ 0.50% · 4.625%
HK$27,892
+HK$1,397/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,990/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$360,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,115
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,958
−HK$857/mo
Today · 4.125%
HK$28,815
baseline
▲ 0.50% · 4.625%
HK$30,568
+HK$1,753/mo
Deposit HK$3.96M · loan HK$5.95M · min. income ≈ HK$57,630/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,165
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,974
−HK$820/mo
Today · 4.125%
HK$31,794
baseline
▲ 0.50% · 4.625%
HK$33,470
+HK$1,676/mo
Deposit HK$3.96M · loan HK$5.95M · min. income ≈ HK$63,588/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,634
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,618
−HK$999/mo
Today · 4.125%
HK$33,617
baseline
▲ 0.50% · 4.625%
HK$35,663
+HK$2,046/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,234/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,192
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,136
−HK$957/mo
Today · 4.125%
HK$37,093
baseline
▲ 0.50% · 4.625%
HK$39,049
+HK$1,956/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,186/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,672
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,937
−HK$1,285/mo
Today · 4.125%
HK$43,222
baseline
▲ 0.50% · 4.625%
HK$45,852
+HK$2,630/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$86,444/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,247
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,460
−HK$1,231/mo
Today · 4.125%
HK$47,691
baseline
▲ 0.50% · 4.625%
HK$50,205
+HK$2,514/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$95,382/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,917 · 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).