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$22,636
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,340
−HK$716/mo
Today · 4.125%
HK$24,056
baseline
▲ 0.50% · 4.625%
HK$25,519
+HK$1,463/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$362,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,182
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,858
−HK$685/mo
Today · 4.125%
HK$26,543
baseline
▲ 0.50% · 4.625%
HK$27,942
+HK$1,399/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,086/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,163
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,008
−HK$859/mo
Today · 4.125%
HK$28,867
baseline
▲ 0.50% · 4.625%
HK$30,623
+HK$1,756/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,734/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,219
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,029
−HK$822/mo
Today · 4.125%
HK$31,851
baseline
▲ 0.50% · 4.625%
HK$33,530
+HK$1,679/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,702/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,690
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,676
−HK$1,002/mo
Today · 4.125%
HK$33,678
baseline
▲ 0.50% · 4.625%
HK$35,727
+HK$2,049/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,356/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,255
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,201
−HK$959/mo
Today · 4.125%
HK$37,160
baseline
▲ 0.50% · 4.625%
HK$39,119
+HK$1,959/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,320/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,745
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,012
−HK$1,288/mo
Today · 4.125%
HK$43,300
baseline
▲ 0.50% · 4.625%
HK$45,935
+HK$2,635/mo
Deposit HK$993K · loan HK$8.93M · min. income ≈ HK$86,600/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,328
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,544
−HK$1,233/mo
Today · 4.125%
HK$47,777
baseline
▲ 0.50% · 4.625%
HK$50,296
+HK$2,519/mo
Deposit HK$993K · loan HK$8.93M · min. income ≈ HK$95,554/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,697 · 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).