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$22,679
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,384
−HK$717/mo
Today · 4.125%
HK$24,101
baseline
▲ 0.50% · 4.625%
HK$25,568
+HK$1,467/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,202/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,230
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,907
−HK$686/mo
Today · 4.125%
HK$26,593
baseline
▲ 0.50% · 4.625%
HK$27,995
+HK$1,402/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,186/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,215
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,061
−HK$860/mo
Today · 4.125%
HK$28,921
baseline
▲ 0.50% · 4.625%
HK$30,681
+HK$1,760/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,842/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,276
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,088
−HK$824/mo
Today · 4.125%
HK$31,912
baseline
▲ 0.50% · 4.625%
HK$33,594
+HK$1,682/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,824/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,751
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,738
−HK$1,004/mo
Today · 4.125%
HK$33,742
baseline
▲ 0.50% · 4.625%
HK$35,795
+HK$2,053/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,484/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,322
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,269
−HK$962/mo
Today · 4.125%
HK$37,231
baseline
▲ 0.50% · 4.625%
HK$39,193
+HK$1,962/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,462/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,822
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,092
−HK$1,290/mo
Today · 4.125%
HK$43,382
baseline
▲ 0.50% · 4.625%
HK$46,022
+HK$2,640/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$86,764/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,414
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,632
−HK$1,236/mo
Today · 4.125%
HK$47,868
baseline
▲ 0.50% · 4.625%
HK$50,391
+HK$2,523/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$95,736/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,580 · 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).