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$22,639
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,344
−HK$715/mo
Today · 4.125%
HK$24,059
baseline
▲ 0.50% · 4.625%
HK$25,523
+HK$1,464/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,118/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,186
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,862
−HK$685/mo
Today · 4.125%
HK$26,547
baseline
▲ 0.50% · 4.625%
HK$27,946
+HK$1,399/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,094/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,167
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,012
−HK$859/mo
Today · 4.125%
HK$28,871
baseline
▲ 0.50% · 4.625%
HK$30,628
+HK$1,757/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,742/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,223
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,034
−HK$822/mo
Today · 4.125%
HK$31,856
baseline
▲ 0.50% · 4.625%
HK$33,535
+HK$1,679/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,712/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,695
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,681
−HK$1,002/mo
Today · 4.125%
HK$33,683
baseline
▲ 0.50% · 4.625%
HK$35,732
+HK$2,049/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,366/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,261
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,206
−HK$960/mo
Today · 4.125%
HK$37,166
baseline
▲ 0.50% · 4.625%
HK$39,125
+HK$1,959/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,332/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,751
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,019
−HK$1,287/mo
Today · 4.125%
HK$43,306
baseline
▲ 0.50% · 4.625%
HK$45,941
+HK$2,635/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$86,612/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,335
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,551
−HK$1,233/mo
Today · 4.125%
HK$47,784
baseline
▲ 0.50% · 4.625%
HK$50,303
+HK$2,519/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$95,568/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,845 · 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).