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$22,618
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,322
−HK$715/mo
Today · 4.125%
HK$24,037
baseline
▲ 0.50% · 4.625%
HK$25,499
+HK$1,462/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,074/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,163
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,837
−HK$685/mo
Today · 4.125%
HK$26,522
baseline
▲ 0.50% · 4.625%
HK$27,920
+HK$1,398/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,044/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,142
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,986
−HK$858/mo
Today · 4.125%
HK$28,844
baseline
▲ 0.50% · 4.625%
HK$30,599
+HK$1,755/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,688/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,195
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,005
−HK$821/mo
Today · 4.125%
HK$31,826
baseline
▲ 0.50% · 4.625%
HK$33,504
+HK$1,678/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,652/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,665
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,650
−HK$1,001/mo
Today · 4.125%
HK$33,651
baseline
▲ 0.50% · 4.625%
HK$35,699
+HK$2,048/mo
Deposit HK$2.98M · loan HK$6.94M · min. income ≈ HK$67,302/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,228
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,172
−HK$959/mo
Today · 4.125%
HK$37,131
baseline
▲ 0.50% · 4.625%
HK$39,088
+HK$1,957/mo
Deposit HK$2.98M · loan HK$6.94M · min. income ≈ HK$74,262/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,713
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,979
−HK$1,287/mo
Today · 4.125%
HK$43,266
baseline
▲ 0.50% · 4.625%
HK$45,898
+HK$2,632/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,532/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,293
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,507
−HK$1,233/mo
Today · 4.125%
HK$47,740
baseline
▲ 0.50% · 4.625%
HK$50,256
+HK$2,516/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,480/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,915 · 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).