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$22,697
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,403
−HK$717/mo
Today · 4.125%
HK$24,120
baseline
▲ 0.50% · 4.625%
HK$25,588
+HK$1,468/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,240/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,250
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,927
−HK$687/mo
Today · 4.125%
HK$26,614
baseline
▲ 0.50% · 4.625%
HK$28,017
+HK$1,403/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,228/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,236
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,083
−HK$861/mo
Today · 4.125%
HK$28,944
baseline
▲ 0.50% · 4.625%
HK$30,705
+HK$1,761/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,888/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,300
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,113
−HK$824/mo
Today · 4.125%
HK$31,937
baseline
▲ 0.50% · 4.625%
HK$33,620
+HK$1,683/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,874/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,775
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,764
−HK$1,004/mo
Today · 4.125%
HK$33,768
baseline
▲ 0.50% · 4.625%
HK$35,823
+HK$2,055/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,536/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,350
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,298
−HK$962/mo
Today · 4.125%
HK$37,260
baseline
▲ 0.50% · 4.625%
HK$39,224
+HK$1,964/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,520/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,854
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,125
−HK$1,291/mo
Today · 4.125%
HK$43,416
baseline
▲ 0.50% · 4.625%
HK$46,058
+HK$2,642/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$86,832/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,450
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,669
−HK$1,236/mo
Today · 4.125%
HK$47,905
baseline
▲ 0.50% · 4.625%
HK$50,431
+HK$2,526/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$95,810/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,360 · 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).