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$22,710
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,417
−HK$717/mo
Today · 4.125%
HK$24,134
baseline
▲ 0.50% · 4.625%
HK$25,603
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,268/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$365,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,265
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,942
−HK$688/mo
Today · 4.125%
HK$26,630
baseline
▲ 0.50% · 4.625%
HK$28,033
+HK$1,403/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,260/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$365,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,252
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,100
−HK$861/mo
Today · 4.125%
HK$28,961
baseline
▲ 0.50% · 4.625%
HK$30,723
+HK$1,762/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$57,922/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,318
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,131
−HK$825/mo
Today · 4.125%
HK$31,956
baseline
▲ 0.50% · 4.625%
HK$33,640
+HK$1,684/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$63,912/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,794
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,783
−HK$1,005/mo
Today · 4.125%
HK$33,788
baseline
▲ 0.50% · 4.625%
HK$35,844
+HK$2,056/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,576/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,371
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,319
−HK$963/mo
Today · 4.125%
HK$37,282
baseline
▲ 0.50% · 4.625%
HK$39,247
+HK$1,965/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,564/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,878
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,150
−HK$1,292/mo
Today · 4.125%
HK$43,442
baseline
▲ 0.50% · 4.625%
HK$46,085
+HK$2,643/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$86,884/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,477
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,696
−HK$1,238/mo
Today · 4.125%
HK$47,934
baseline
▲ 0.50% · 4.625%
HK$50,460
+HK$2,526/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$95,868/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,945 · 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).