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$22,720
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,426
−HK$718/mo
Today · 4.125%
HK$24,144
baseline
▲ 0.50% · 4.625%
HK$25,613
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,288/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,275
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,953
−HK$688/mo
Today · 4.125%
HK$26,641
baseline
▲ 0.50% · 4.625%
HK$28,045
+HK$1,404/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,282/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,264
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,112
−HK$861/mo
Today · 4.125%
HK$28,973
baseline
▲ 0.50% · 4.625%
HK$30,736
+HK$1,763/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,946/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,330
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,144
−HK$825/mo
Today · 4.125%
HK$31,969
baseline
▲ 0.50% · 4.625%
HK$33,654
+HK$1,685/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,938/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,807
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,797
−HK$1,005/mo
Today · 4.125%
HK$33,802
baseline
▲ 0.50% · 4.625%
HK$35,859
+HK$2,057/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,604/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,385
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,334
−HK$963/mo
Today · 4.125%
HK$37,297
baseline
▲ 0.50% · 4.625%
HK$39,263
+HK$1,966/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,594/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,895
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,167
−HK$1,293/mo
Today · 4.125%
HK$43,460
baseline
▲ 0.50% · 4.625%
HK$46,104
+HK$2,644/mo
Deposit HK$996K · loan HK$8.97M · min. income ≈ HK$86,920/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,496
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,716
−HK$1,238/mo
Today · 4.125%
HK$47,954
baseline
▲ 0.50% · 4.625%
HK$50,481
+HK$2,527/mo
Deposit HK$996K · loan HK$8.97M · min. income ≈ HK$95,908/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,363 · 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).