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$22,619
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,323
−HK$715/mo
Today · 4.125%
HK$24,038
baseline
▲ 0.50% · 4.625%
HK$25,500
+HK$1,462/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,076/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,164
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,838
−HK$685/mo
Today · 4.125%
HK$26,523
baseline
▲ 0.50% · 4.625%
HK$27,921
+HK$1,398/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,046/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,143
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,987
−HK$858/mo
Today · 4.125%
HK$28,845
baseline
▲ 0.50% · 4.625%
HK$30,600
+HK$1,755/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,690/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,196
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,006
−HK$822/mo
Today · 4.125%
HK$31,828
baseline
▲ 0.50% · 4.625%
HK$33,505
+HK$1,677/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,656/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,667
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,652
−HK$1,001/mo
Today · 4.125%
HK$33,653
baseline
▲ 0.50% · 4.625%
HK$35,700
+HK$2,047/mo
Deposit HK$2.98M · loan HK$6.94M · min. income ≈ HK$67,306/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,229
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,174
−HK$958/mo
Today · 4.125%
HK$37,132
baseline
▲ 0.50% · 4.625%
HK$39,090
+HK$1,958/mo
Deposit HK$2.98M · loan HK$6.94M · min. income ≈ HK$74,264/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,715
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,981
−HK$1,287/mo
Today · 4.125%
HK$43,268
baseline
▲ 0.50% · 4.625%
HK$45,900
+HK$2,632/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,536/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,295
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,509
−HK$1,233/mo
Today · 4.125%
HK$47,742
baseline
▲ 0.50% · 4.625%
HK$50,258
+HK$2,516/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,484/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,959 · 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).