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$22,645
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,350
−HK$715/mo
Today · 4.125%
HK$24,065
baseline
▲ 0.50% · 4.625%
HK$25,530
+HK$1,465/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,130/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,193
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,868
−HK$686/mo
Today · 4.125%
HK$26,554
baseline
▲ 0.50% · 4.625%
HK$27,953
+HK$1,399/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,108/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,174
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,019
−HK$859/mo
Today · 4.125%
HK$28,878
baseline
▲ 0.50% · 4.625%
HK$30,635
+HK$1,757/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,756/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,231
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,042
−HK$822/mo
Today · 4.125%
HK$31,864
baseline
▲ 0.50% · 4.625%
HK$33,544
+HK$1,680/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,728/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,703
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,689
−HK$1,002/mo
Today · 4.125%
HK$33,691
baseline
▲ 0.50% · 4.625%
HK$35,741
+HK$2,050/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,382/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,270
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,215
−HK$960/mo
Today · 4.125%
HK$37,175
baseline
▲ 0.50% · 4.625%
HK$39,135
+HK$1,960/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,350/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,761
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,029
−HK$1,288/mo
Today · 4.125%
HK$43,317
baseline
▲ 0.50% · 4.625%
HK$45,953
+HK$2,636/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$86,634/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,347
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,563
−HK$1,233/mo
Today · 4.125%
HK$47,796
baseline
▲ 0.50% · 4.625%
HK$50,316
+HK$2,520/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$95,592/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,098 · 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).