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$22,674
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,379
−HK$717/mo
Today · 4.125%
HK$24,096
baseline
▲ 0.50% · 4.625%
HK$25,562
+HK$1,466/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,192/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,225
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,901
−HK$687/mo
Today · 4.125%
HK$26,588
baseline
▲ 0.50% · 4.625%
HK$27,989
+HK$1,401/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,176/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,209
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,055
−HK$860/mo
Today · 4.125%
HK$28,915
baseline
▲ 0.50% · 4.625%
HK$30,675
+HK$1,760/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,830/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,270
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,082
−HK$823/mo
Today · 4.125%
HK$31,905
baseline
▲ 0.50% · 4.625%
HK$33,587
+HK$1,682/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,810/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,744
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,731
−HK$1,003/mo
Today · 4.125%
HK$33,734
baseline
▲ 0.50% · 4.625%
HK$35,787
+HK$2,053/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,468/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,315
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,262
−HK$961/mo
Today · 4.125%
HK$37,223
baseline
▲ 0.50% · 4.625%
HK$39,185
+HK$1,962/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,446/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,813
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,083
−HK$1,290/mo
Today · 4.125%
HK$43,373
baseline
▲ 0.50% · 4.625%
HK$46,012
+HK$2,639/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$86,746/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,405
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,622
−HK$1,236/mo
Today · 4.125%
HK$47,858
baseline
▲ 0.50% · 4.625%
HK$50,380
+HK$2,522/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$95,716/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,368 · 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).