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$22,647
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,351
−HK$716/mo
Today · 4.125%
HK$24,067
baseline
▲ 0.50% · 4.625%
HK$25,532
+HK$1,465/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,134/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,195
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,870
−HK$686/mo
Today · 4.125%
HK$26,556
baseline
▲ 0.50% · 4.625%
HK$27,955
+HK$1,399/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,112/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,176
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,022
−HK$859/mo
Today · 4.125%
HK$28,881
baseline
▲ 0.50% · 4.625%
HK$30,638
+HK$1,757/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,762/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,233
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,044
−HK$823/mo
Today · 4.125%
HK$31,867
baseline
▲ 0.50% · 4.625%
HK$33,547
+HK$1,680/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,734/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,706
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,692
−HK$1,002/mo
Today · 4.125%
HK$33,694
baseline
▲ 0.50% · 4.625%
HK$35,744
+HK$2,050/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,388/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,272
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,218
−HK$960/mo
Today · 4.125%
HK$37,178
baseline
▲ 0.50% · 4.625%
HK$39,138
+HK$1,960/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,356/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,765
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,033
−HK$1,288/mo
Today · 4.125%
HK$43,321
baseline
▲ 0.50% · 4.625%
HK$45,957
+HK$2,636/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$86,642/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,350
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,566
−HK$1,234/mo
Today · 4.125%
HK$47,800
baseline
▲ 0.50% · 4.625%
HK$50,320
+HK$2,520/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$95,600/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,176 · 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).