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$25,504
+HK$1,462/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$362,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,168
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,843
−HK$684/mo
Today · 4.125%
HK$26,527
baseline
▲ 0.50% · 4.625%
HK$27,926
+HK$1,399/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,054/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,147
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$27,992
−HK$858/mo
Today · 4.125%
HK$28,850
baseline
▲ 0.50% · 4.625%
HK$30,605
+HK$1,755/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,700/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,201
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,011
−HK$822/mo
Today · 4.125%
HK$31,833
baseline
▲ 0.50% · 4.625%
HK$33,511
+HK$1,678/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,666/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,672
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,657
−HK$1,001/mo
Today · 4.125%
HK$33,658
baseline
▲ 0.50% · 4.625%
HK$35,706
+HK$2,048/mo
Deposit HK$2.98M · loan HK$6.94M · min. income ≈ HK$67,316/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,235
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,180
−HK$958/mo
Today · 4.125%
HK$37,138
baseline
▲ 0.50% · 4.625%
HK$39,096
+HK$1,958/mo
Deposit HK$2.98M · loan HK$6.94M · min. income ≈ HK$74,276/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,721
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,988
−HK$1,287/mo
Today · 4.125%
HK$43,275
baseline
▲ 0.50% · 4.625%
HK$45,908
+HK$2,633/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,550/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,302
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,517
−HK$1,232/mo
Today · 4.125%
HK$47,749
baseline
▲ 0.50% · 4.625%
HK$50,266
+HK$2,517/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,498/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,122 · 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).