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$22,637
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,341
−HK$715/mo
Today · 4.125%
HK$24,056
baseline
▲ 0.50% · 4.625%
HK$25,520
+HK$1,464/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,112/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,183
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,859
−HK$685/mo
Today · 4.125%
HK$26,544
baseline
▲ 0.50% · 4.625%
HK$27,943
+HK$1,399/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,088/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,164
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,009
−HK$859/mo
Today · 4.125%
HK$28,868
baseline
▲ 0.50% · 4.625%
HK$30,624
+HK$1,756/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,736/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,220
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,030
−HK$822/mo
Today · 4.125%
HK$31,852
baseline
▲ 0.50% · 4.625%
HK$33,531
+HK$1,679/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,704/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,691
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,677
−HK$1,002/mo
Today · 4.125%
HK$33,679
baseline
▲ 0.50% · 4.625%
HK$35,728
+HK$2,049/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,358/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,256
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,202
−HK$959/mo
Today · 4.125%
HK$37,161
baseline
▲ 0.50% · 4.625%
HK$39,120
+HK$1,959/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,322/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,746
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,014
−HK$1,287/mo
Today · 4.125%
HK$43,301
baseline
▲ 0.50% · 4.625%
HK$45,936
+HK$2,635/mo
Deposit HK$993K · loan HK$8.93M · min. income ≈ HK$86,602/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,330
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,545
−HK$1,234/mo
Today · 4.125%
HK$47,779
baseline
▲ 0.50% · 4.625%
HK$50,297
+HK$2,518/mo
Deposit HK$993K · loan HK$8.93M · min. income ≈ HK$95,558/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,729 · 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).