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$22,699
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,405
−HK$717/mo
Today · 4.125%
HK$24,122
baseline
▲ 0.50% · 4.625%
HK$25,590
+HK$1,468/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,244/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,252
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,929
−HK$687/mo
Today · 4.125%
HK$26,616
baseline
▲ 0.50% · 4.625%
HK$28,019
+HK$1,403/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,232/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,238
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,086
−HK$860/mo
Today · 4.125%
HK$28,946
baseline
▲ 0.50% · 4.625%
HK$30,708
+HK$1,762/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,892/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,302
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,115
−HK$825/mo
Today · 4.125%
HK$31,940
baseline
▲ 0.50% · 4.625%
HK$33,623
+HK$1,683/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,880/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,778
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,767
−HK$1,004/mo
Today · 4.125%
HK$33,771
baseline
▲ 0.50% · 4.625%
HK$35,826
+HK$2,055/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,542/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,353
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,301
−HK$962/mo
Today · 4.125%
HK$37,263
baseline
▲ 0.50% · 4.625%
HK$39,227
+HK$1,964/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,526/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,858
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,128
−HK$1,292/mo
Today · 4.125%
HK$43,420
baseline
▲ 0.50% · 4.625%
HK$46,062
+HK$2,642/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$86,840/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,454
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,673
−HK$1,236/mo
Today · 4.125%
HK$47,909
baseline
▲ 0.50% · 4.625%
HK$50,435
+HK$2,526/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$95,818/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,442 · 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).