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$22,623
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,327
−HK$715/mo
Today · 4.125%
HK$24,042
baseline
▲ 0.50% · 4.625%
HK$25,505
+HK$1,463/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,084/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,168
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,843
−HK$685/mo
Today · 4.125%
HK$26,528
baseline
▲ 0.50% · 4.625%
HK$27,926
+HK$1,398/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,056/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,148
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$27,993
−HK$858/mo
Today · 4.125%
HK$28,851
baseline
▲ 0.50% · 4.625%
HK$30,606
+HK$1,755/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,702/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,202
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,012
−HK$822/mo
Today · 4.125%
HK$31,834
baseline
▲ 0.50% · 4.625%
HK$33,512
+HK$1,678/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,668/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,673
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,658
−HK$1,001/mo
Today · 4.125%
HK$33,659
baseline
▲ 0.50% · 4.625%
HK$35,707
+HK$2,048/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,318/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,236
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,181
−HK$958/mo
Today · 4.125%
HK$37,139
baseline
▲ 0.50% · 4.625%
HK$39,097
+HK$1,958/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,278/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,722
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,989
−HK$1,287/mo
Today · 4.125%
HK$43,276
baseline
▲ 0.50% · 4.625%
HK$45,909
+HK$2,633/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,552/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,303
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,518
−HK$1,233/mo
Today · 4.125%
HK$47,751
baseline
▲ 0.50% · 4.625%
HK$50,268
+HK$2,517/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,502/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,144 · 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).