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$22,690
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,396
−HK$717/mo
Today · 4.125%
HK$24,113
baseline
▲ 0.50% · 4.625%
HK$25,580
+HK$1,467/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,226/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,242
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,919
−HK$687/mo
Today · 4.125%
HK$26,606
baseline
▲ 0.50% · 4.625%
HK$28,009
+HK$1,403/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,212/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,228
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,075
−HK$860/mo
Today · 4.125%
HK$28,935
baseline
▲ 0.50% · 4.625%
HK$30,696
+HK$1,761/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,870/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,291
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,103
−HK$824/mo
Today · 4.125%
HK$31,927
baseline
▲ 0.50% · 4.625%
HK$33,610
+HK$1,683/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,854/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,766
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,754
−HK$1,004/mo
Today · 4.125%
HK$33,758
baseline
▲ 0.50% · 4.625%
HK$35,812
+HK$2,054/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,516/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,339
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,287
−HK$962/mo
Today · 4.125%
HK$37,249
baseline
▲ 0.50% · 4.625%
HK$39,212
+HK$1,963/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,498/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,842
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,112
−HK$1,291/mo
Today · 4.125%
HK$43,403
baseline
▲ 0.50% · 4.625%
HK$46,044
+HK$2,641/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$86,806/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,436
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,655
−HK$1,236/mo
Today · 4.125%
HK$47,891
baseline
▲ 0.50% · 4.625%
HK$50,415
+HK$2,524/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$95,782/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,061 · 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).