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$22,721
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,428
−HK$718/mo
Today · 4.125%
HK$24,146
baseline
▲ 0.50% · 4.625%
HK$25,616
+HK$1,470/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,292/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,277
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,955
−HK$688/mo
Today · 4.125%
HK$26,643
baseline
▲ 0.50% · 4.625%
HK$28,047
+HK$1,404/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,286/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,266
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,114
−HK$862/mo
Today · 4.125%
HK$28,976
baseline
▲ 0.50% · 4.625%
HK$30,739
+HK$1,763/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,952/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,333
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,146
−HK$826/mo
Today · 4.125%
HK$31,972
baseline
▲ 0.50% · 4.625%
HK$33,657
+HK$1,685/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,944/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,810
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,800
−HK$1,005/mo
Today · 4.125%
HK$33,805
baseline
▲ 0.50% · 4.625%
HK$35,862
+HK$2,057/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,610/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,388
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,337
−HK$963/mo
Today · 4.125%
HK$37,300
baseline
▲ 0.50% · 4.625%
HK$39,266
+HK$1,966/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,600/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,899
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,171
−HK$1,292/mo
Today · 4.125%
HK$43,463
baseline
▲ 0.50% · 4.625%
HK$46,108
+HK$2,645/mo
Deposit HK$996K · loan HK$8.97M · min. income ≈ HK$86,926/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,499
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,720
−HK$1,238/mo
Today · 4.125%
HK$47,958
baseline
▲ 0.50% · 4.625%
HK$50,485
+HK$2,527/mo
Deposit HK$996K · loan HK$8.97M · min. income ≈ HK$95,916/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,445 · 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).