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$22,687
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,393
−HK$717/mo
Today · 4.125%
HK$24,110
baseline
▲ 0.50% · 4.625%
HK$25,577
+HK$1,467/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,220/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,239
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,916
−HK$687/mo
Today · 4.125%
HK$26,603
baseline
▲ 0.50% · 4.625%
HK$28,005
+HK$1,402/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,206/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,225
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,071
−HK$861/mo
Today · 4.125%
HK$28,932
baseline
▲ 0.50% · 4.625%
HK$30,692
+HK$1,760/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,864/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,287
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,099
−HK$824/mo
Today · 4.125%
HK$31,923
baseline
▲ 0.50% · 4.625%
HK$33,606
+HK$1,683/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,846/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,762
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,750
−HK$1,004/mo
Today · 4.125%
HK$33,754
baseline
▲ 0.50% · 4.625%
HK$35,807
+HK$2,053/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,508/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,335
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,282
−HK$962/mo
Today · 4.125%
HK$37,244
baseline
▲ 0.50% · 4.625%
HK$39,207
+HK$1,963/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,488/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,837
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,107
−HK$1,291/mo
Today · 4.125%
HK$43,398
baseline
▲ 0.50% · 4.625%
HK$46,038
+HK$2,640/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$86,796/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,430
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,649
−HK$1,236/mo
Today · 4.125%
HK$47,885
baseline
▲ 0.50% · 4.625%
HK$50,409
+HK$2,524/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$95,770/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,936 · 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).