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$22,675
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,381
−HK$716/mo
Today · 4.125%
HK$24,097
baseline
▲ 0.50% · 4.625%
HK$25,563
+HK$1,466/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,194/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,226
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,903
−HK$686/mo
Today · 4.125%
HK$26,589
baseline
▲ 0.50% · 4.625%
HK$27,990
+HK$1,401/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,178/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,210
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,057
−HK$860/mo
Today · 4.125%
HK$28,917
baseline
▲ 0.50% · 4.625%
HK$30,676
+HK$1,759/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,834/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,271
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,083
−HK$824/mo
Today · 4.125%
HK$31,907
baseline
▲ 0.50% · 4.625%
HK$33,589
+HK$1,682/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,814/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,745
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,733
−HK$1,003/mo
Today · 4.125%
HK$33,736
baseline
▲ 0.50% · 4.625%
HK$35,789
+HK$2,053/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,472/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,316
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,264
−HK$960/mo
Today · 4.125%
HK$37,224
baseline
▲ 0.50% · 4.625%
HK$39,187
+HK$1,963/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,448/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,815
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,085
−HK$1,290/mo
Today · 4.125%
HK$43,375
baseline
▲ 0.50% · 4.625%
HK$46,014
+HK$2,639/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$86,750/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,407
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,625
−HK$1,235/mo
Today · 4.125%
HK$47,860
baseline
▲ 0.50% · 4.625%
HK$50,383
+HK$2,523/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$95,720/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,418 · 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).