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$22,592
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,295
−HK$714/mo
Today · 4.125%
HK$24,009
baseline
▲ 0.50% · 4.625%
HK$25,470
+HK$1,461/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$48,018/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,134
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,808
−HK$684/mo
Today · 4.125%
HK$26,492
baseline
▲ 0.50% · 4.625%
HK$27,888
+HK$1,396/mo
Deposit HK$4.95M · loan HK$4.95M · min. income ≈ HK$52,984/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$360,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,111
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,954
−HK$857/mo
Today · 4.125%
HK$28,811
baseline
▲ 0.50% · 4.625%
HK$30,564
+HK$1,753/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$57,622/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,161
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,970
−HK$820/mo
Today · 4.125%
HK$31,790
baseline
▲ 0.50% · 4.625%
HK$33,466
+HK$1,676/mo
Deposit HK$3.96M · loan HK$5.94M · min. income ≈ HK$63,580/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$360,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,629
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,613
−HK$1,000/mo
Today · 4.125%
HK$33,613
baseline
▲ 0.50% · 4.625%
HK$35,658
+HK$2,045/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,226/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,187
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,131
−HK$958/mo
Today · 4.125%
HK$37,089
baseline
▲ 0.50% · 4.625%
HK$39,044
+HK$1,955/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,178/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$360,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,666
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,931
−HK$1,286/mo
Today · 4.125%
HK$43,217
baseline
▲ 0.50% · 4.625%
HK$45,846
+HK$2,629/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$86,434/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,241
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,454
−HK$1,231/mo
Today · 4.125%
HK$47,685
baseline
▲ 0.50% · 4.625%
HK$50,199
+HK$2,514/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$95,370/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$360,788 · 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).