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$22,625
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,329
−HK$715/mo
Today · 4.125%
HK$24,044
baseline
▲ 0.50% · 4.625%
HK$25,507
+HK$1,463/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,088/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,170
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,845
−HK$685/mo
Today · 4.125%
HK$26,530
baseline
▲ 0.50% · 4.625%
HK$27,929
+HK$1,399/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,060/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,150
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$27,995
−HK$858/mo
Today · 4.125%
HK$28,853
baseline
▲ 0.50% · 4.625%
HK$30,609
+HK$1,756/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,706/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,205
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,015
−HK$821/mo
Today · 4.125%
HK$31,836
baseline
▲ 0.50% · 4.625%
HK$33,515
+HK$1,679/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,672/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,675
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,661
−HK$1,001/mo
Today · 4.125%
HK$33,662
baseline
▲ 0.50% · 4.625%
HK$35,710
+HK$2,048/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,324/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,239
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,184
−HK$958/mo
Today · 4.125%
HK$37,142
baseline
▲ 0.50% · 4.625%
HK$39,100
+HK$1,958/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,284/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,726
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,992
−HK$1,287/mo
Today · 4.125%
HK$43,279
baseline
▲ 0.50% · 4.625%
HK$45,913
+HK$2,634/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,558/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,307
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,522
−HK$1,233/mo
Today · 4.125%
HK$47,755
baseline
▲ 0.50% · 4.625%
HK$50,272
+HK$2,517/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,510/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,227 · 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).