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$22,708
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,414
−HK$718/mo
Today · 4.125%
HK$24,132
baseline
▲ 0.50% · 4.625%
HK$25,600
+HK$1,468/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,264/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$365,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,262
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,940
−HK$687/mo
Today · 4.125%
HK$26,627
baseline
▲ 0.50% · 4.625%
HK$28,030
+HK$1,403/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,254/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$365,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,249
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,097
−HK$861/mo
Today · 4.125%
HK$28,958
baseline
▲ 0.50% · 4.625%
HK$30,720
+HK$1,762/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$57,916/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,314
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,127
−HK$825/mo
Today · 4.125%
HK$31,952
baseline
▲ 0.50% · 4.625%
HK$33,636
+HK$1,684/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$63,904/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,791
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,780
−HK$1,004/mo
Today · 4.125%
HK$33,784
baseline
▲ 0.50% · 4.625%
HK$35,840
+HK$2,056/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,568/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,367
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,315
−HK$963/mo
Today · 4.125%
HK$37,278
baseline
▲ 0.50% · 4.625%
HK$39,243
+HK$1,965/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,556/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,874
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,145
−HK$1,292/mo
Today · 4.125%
HK$43,437
baseline
▲ 0.50% · 4.625%
HK$46,080
+HK$2,643/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$86,874/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,472
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,691
−HK$1,237/mo
Today · 4.125%
HK$47,928
baseline
▲ 0.50% · 4.625%
HK$50,455
+HK$2,527/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$95,856/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,838 · 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).