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$22,707
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,413
−HK$718/mo
Today · 4.125%
HK$24,131
baseline
▲ 0.50% · 4.625%
HK$25,599
+HK$1,468/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,262/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,261
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,939
−HK$687/mo
Today · 4.125%
HK$26,626
baseline
▲ 0.50% · 4.625%
HK$28,030
+HK$1,404/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,252/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,249
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,096
−HK$861/mo
Today · 4.125%
HK$28,957
baseline
▲ 0.50% · 4.625%
HK$30,719
+HK$1,762/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,914/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,314
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,127
−HK$824/mo
Today · 4.125%
HK$31,951
baseline
▲ 0.50% · 4.625%
HK$33,636
+HK$1,685/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,902/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,790
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,779
−HK$1,004/mo
Today · 4.125%
HK$33,783
baseline
▲ 0.50% · 4.625%
HK$35,839
+HK$2,056/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,566/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,366
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,315
−HK$962/mo
Today · 4.125%
HK$37,277
baseline
▲ 0.50% · 4.625%
HK$39,242
+HK$1,965/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,554/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,873
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,144
−HK$1,292/mo
Today · 4.125%
HK$43,436
baseline
▲ 0.50% · 4.625%
HK$46,079
+HK$2,643/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$86,872/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,471
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,690
−HK$1,237/mo
Today · 4.125%
HK$47,927
baseline
▲ 0.50% · 4.625%
HK$50,454
+HK$2,527/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$95,854/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,815 · 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).