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$22,632
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,336
−HK$715/mo
Today · 4.125%
HK$24,051
baseline
▲ 0.50% · 4.625%
HK$25,514
+HK$1,463/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,102/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,177
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,853
−HK$685/mo
Today · 4.125%
HK$26,538
baseline
▲ 0.50% · 4.625%
HK$27,936
+HK$1,398/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,076/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,158
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,003
−HK$858/mo
Today · 4.125%
HK$28,861
baseline
▲ 0.50% · 4.625%
HK$30,617
+HK$1,756/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,722/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,213
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,023
−HK$822/mo
Today · 4.125%
HK$31,845
baseline
▲ 0.50% · 4.625%
HK$33,524
+HK$1,679/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,690/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,684
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,670
−HK$1,001/mo
Today · 4.125%
HK$33,671
baseline
▲ 0.50% · 4.625%
HK$35,720
+HK$2,049/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,342/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,248
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,194
−HK$959/mo
Today · 4.125%
HK$37,153
baseline
▲ 0.50% · 4.625%
HK$39,111
+HK$1,958/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,306/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,737
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$42,004
−HK$1,287/mo
Today · 4.125%
HK$43,291
baseline
▲ 0.50% · 4.625%
HK$45,926
+HK$2,635/mo
Deposit HK$993K · loan HK$8.93M · min. income ≈ HK$86,582/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,319
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,535
−HK$1,233/mo
Today · 4.125%
HK$47,768
baseline
▲ 0.50% · 4.625%
HK$50,286
+HK$2,518/mo
Deposit HK$993K · loan HK$8.93M · min. income ≈ HK$95,536/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,502 · 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).