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$22,629
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,333
−HK$715/mo
Today · 4.125%
HK$24,048
baseline
▲ 0.50% · 4.625%
HK$25,511
+HK$1,463/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,096/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,174
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,849
−HK$685/mo
Today · 4.125%
HK$26,534
baseline
▲ 0.50% · 4.625%
HK$27,933
+HK$1,399/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,068/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,155
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,999
−HK$858/mo
Today · 4.125%
HK$28,857
baseline
▲ 0.50% · 4.625%
HK$30,613
+HK$1,756/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,714/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,209
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,019
−HK$822/mo
Today · 4.125%
HK$31,841
baseline
▲ 0.50% · 4.625%
HK$33,520
+HK$1,679/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,682/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,680
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,666
−HK$1,001/mo
Today · 4.125%
HK$33,667
baseline
▲ 0.50% · 4.625%
HK$35,716
+HK$2,049/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,334/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,244
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,189
−HK$959/mo
Today · 4.125%
HK$37,148
baseline
▲ 0.50% · 4.625%
HK$39,106
+HK$1,958/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,296/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,732
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,999
−HK$1,287/mo
Today · 4.125%
HK$43,286
baseline
▲ 0.50% · 4.625%
HK$45,920
+HK$2,634/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,572/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,314
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,529
−HK$1,233/mo
Today · 4.125%
HK$47,762
baseline
▲ 0.50% · 4.625%
HK$50,280
+HK$2,518/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,524/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,381 · 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).