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$22,632
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,336
−HK$715/mo
Today · 4.125%
HK$24,051
baseline
▲ 0.50% · 4.625%
HK$25,515
+HK$1,464/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,102/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,178
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,853
−HK$685/mo
Today · 4.125%
HK$26,538
baseline
▲ 0.50% · 4.625%
HK$27,937
+HK$1,399/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,076/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,158
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,003
−HK$858/mo
Today · 4.125%
HK$28,861
baseline
▲ 0.50% · 4.625%
HK$30,618
+HK$1,757/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,722/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,213
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,024
−HK$822/mo
Today · 4.125%
HK$31,846
baseline
▲ 0.50% · 4.625%
HK$33,524
+HK$1,678/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,692/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,685
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,670
−HK$1,002/mo
Today · 4.125%
HK$33,672
baseline
▲ 0.50% · 4.625%
HK$35,721
+HK$2,049/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,344/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,249
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,194
−HK$959/mo
Today · 4.125%
HK$37,153
baseline
▲ 0.50% · 4.625%
HK$39,112
+HK$1,959/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,306/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,738
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$42,005
−HK$1,287/mo
Today · 4.125%
HK$43,292
baseline
▲ 0.50% · 4.625%
HK$45,926
+HK$2,634/mo
Deposit HK$993K · loan HK$8.93M · min. income ≈ HK$86,584/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,320
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,536
−HK$1,233/mo
Today · 4.125%
HK$47,769
baseline
▲ 0.50% · 4.625%
HK$50,287
+HK$2,518/mo
Deposit HK$993K · loan HK$8.93M · min. income ≈ HK$95,538/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,519 · 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).