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$22,673
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,378
−HK$717/mo
Today · 4.125%
HK$24,095
baseline
▲ 0.50% · 4.625%
HK$25,561
+HK$1,466/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,190/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,223
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,900
−HK$686/mo
Today · 4.125%
HK$26,586
baseline
▲ 0.50% · 4.625%
HK$27,988
+HK$1,402/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,172/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,208
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,054
−HK$860/mo
Today · 4.125%
HK$28,914
baseline
▲ 0.50% · 4.625%
HK$30,673
+HK$1,759/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,828/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,268
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,080
−HK$823/mo
Today · 4.125%
HK$31,903
baseline
▲ 0.50% · 4.625%
HK$33,585
+HK$1,682/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,806/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,742
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,730
−HK$1,003/mo
Today · 4.125%
HK$33,733
baseline
▲ 0.50% · 4.625%
HK$35,785
+HK$2,052/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,466/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,313
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,260
−HK$961/mo
Today · 4.125%
HK$37,221
baseline
▲ 0.50% · 4.625%
HK$39,183
+HK$1,962/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,442/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,811
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,081
−HK$1,290/mo
Today · 4.125%
HK$43,371
baseline
▲ 0.50% · 4.625%
HK$46,010
+HK$2,639/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$86,742/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,402
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,620
−HK$1,235/mo
Today · 4.125%
HK$47,855
baseline
▲ 0.50% · 4.625%
HK$50,378
+HK$2,523/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$95,710/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,318 · 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).