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$22,693
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,399
−HK$717/mo
Today · 4.125%
HK$24,116
baseline
▲ 0.50% · 4.625%
HK$25,584
+HK$1,468/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,232/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,246
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,923
−HK$687/mo
Today · 4.125%
HK$26,610
baseline
▲ 0.50% · 4.625%
HK$28,013
+HK$1,403/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,220/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,232
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,079
−HK$861/mo
Today · 4.125%
HK$28,940
baseline
▲ 0.50% · 4.625%
HK$30,701
+HK$1,761/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,880/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,295
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,108
−HK$824/mo
Today · 4.125%
HK$31,932
baseline
▲ 0.50% · 4.625%
HK$33,615
+HK$1,683/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,864/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,771
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,759
−HK$1,004/mo
Today · 4.125%
HK$33,763
baseline
▲ 0.50% · 4.625%
HK$35,817
+HK$2,054/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,526/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,345
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,292
−HK$962/mo
Today · 4.125%
HK$37,254
baseline
▲ 0.50% · 4.625%
HK$39,218
+HK$1,964/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,508/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,848
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,119
−HK$1,291/mo
Today · 4.125%
HK$43,410
baseline
▲ 0.50% · 4.625%
HK$46,051
+HK$2,641/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$86,820/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,443
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,662
−HK$1,236/mo
Today · 4.125%
HK$47,898
baseline
▲ 0.50% · 4.625%
HK$50,423
+HK$2,525/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$95,796/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,211 · 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).