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$22,612
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,315
−HK$715/mo
Today · 4.125%
HK$24,030
baseline
▲ 0.50% · 4.625%
HK$25,492
+HK$1,462/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,060/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,155
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,830
−HK$684/mo
Today · 4.125%
HK$26,514
baseline
▲ 0.50% · 4.625%
HK$27,912
+HK$1,398/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,028/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,134
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,978
−HK$858/mo
Today · 4.125%
HK$28,836
baseline
▲ 0.50% · 4.625%
HK$30,590
+HK$1,754/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,672/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,187
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,996
−HK$821/mo
Today · 4.125%
HK$31,817
baseline
▲ 0.50% · 4.625%
HK$33,495
+HK$1,678/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,634/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,657
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,641
−HK$1,001/mo
Today · 4.125%
HK$33,642
baseline
▲ 0.50% · 4.625%
HK$35,689
+HK$2,047/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,284/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,218
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,162
−HK$958/mo
Today · 4.125%
HK$37,120
baseline
▲ 0.50% · 4.625%
HK$39,077
+HK$1,957/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,240/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,701
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,967
−HK$1,287/mo
Today · 4.125%
HK$43,254
baseline
▲ 0.50% · 4.625%
HK$45,885
+HK$2,631/mo
Deposit HK$992K · loan HK$8.92M · min. income ≈ HK$86,508/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,280
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,494
−HK$1,232/mo
Today · 4.125%
HK$47,726
baseline
▲ 0.50% · 4.625%
HK$50,242
+HK$2,516/mo
Deposit HK$992K · loan HK$8.92M · min. income ≈ HK$95,452/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,635 · 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).