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$22,642
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,346
−HK$716/mo
Today · 4.125%
HK$24,062
baseline
▲ 0.50% · 4.625%
HK$25,526
+HK$1,464/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,124/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,189
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,865
−HK$685/mo
Today · 4.125%
HK$26,550
baseline
▲ 0.50% · 4.625%
HK$27,949
+HK$1,399/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,100/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,170
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,016
−HK$858/mo
Today · 4.125%
HK$28,874
baseline
▲ 0.50% · 4.625%
HK$30,631
+HK$1,757/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,748/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,227
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,037
−HK$823/mo
Today · 4.125%
HK$31,860
baseline
▲ 0.50% · 4.625%
HK$33,539
+HK$1,679/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,720/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,699
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,685
−HK$1,002/mo
Today · 4.125%
HK$33,687
baseline
▲ 0.50% · 4.625%
HK$35,736
+HK$2,049/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,374/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,265
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,210
−HK$960/mo
Today · 4.125%
HK$37,170
baseline
▲ 0.50% · 4.625%
HK$39,129
+HK$1,959/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,340/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,756
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,023
−HK$1,288/mo
Today · 4.125%
HK$43,311
baseline
▲ 0.50% · 4.625%
HK$45,947
+HK$2,636/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$86,622/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,340
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,556
−HK$1,234/mo
Today · 4.125%
HK$47,790
baseline
▲ 0.50% · 4.625%
HK$50,309
+HK$2,519/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$95,580/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,959 · 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).