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$22,601
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,304
−HK$715/mo
Today · 4.125%
HK$24,019
baseline
▲ 0.50% · 4.625%
HK$25,480
+HK$1,461/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,038/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,144
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,818
−HK$684/mo
Today · 4.125%
HK$26,502
baseline
▲ 0.50% · 4.625%
HK$27,899
+HK$1,397/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,004/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,122
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,965
−HK$857/mo
Today · 4.125%
HK$28,822
baseline
▲ 0.50% · 4.625%
HK$30,576
+HK$1,754/mo
Deposit HK$3.96M · loan HK$5.95M · min. income ≈ HK$57,644/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,173
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,982
−HK$821/mo
Today · 4.125%
HK$31,803
baseline
▲ 0.50% · 4.625%
HK$33,479
+HK$1,676/mo
Deposit HK$3.96M · loan HK$5.95M · min. income ≈ HK$63,606/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,642
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,626
−HK$1,000/mo
Today · 4.125%
HK$33,626
baseline
▲ 0.50% · 4.625%
HK$35,672
+HK$2,046/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,252/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$361,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,201
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,145
−HK$958/mo
Today · 4.125%
HK$37,103
baseline
▲ 0.50% · 4.625%
HK$39,059
+HK$1,956/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,206/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$361,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,682
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,948
−HK$1,286/mo
Today · 4.125%
HK$43,234
baseline
▲ 0.50% · 4.625%
HK$45,864
+HK$2,630/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$86,468/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,259
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,473
−HK$1,231/mo
Today · 4.125%
HK$47,704
baseline
▲ 0.50% · 4.625%
HK$50,219
+HK$2,515/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$95,408/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,176 · 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).