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$22,697
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,403
−HK$718/mo
Today · 4.125%
HK$24,121
baseline
▲ 0.50% · 4.625%
HK$25,588
+HK$1,467/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,242/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,250
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,928
−HK$687/mo
Today · 4.125%
HK$26,615
baseline
▲ 0.50% · 4.625%
HK$28,017
+HK$1,402/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,230/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,237
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,084
−HK$861/mo
Today · 4.125%
HK$28,945
baseline
▲ 0.50% · 4.625%
HK$30,706
+HK$1,761/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,890/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,300
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,113
−HK$825/mo
Today · 4.125%
HK$31,938
baseline
▲ 0.50% · 4.625%
HK$33,621
+HK$1,683/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,876/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,776
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,764
−HK$1,005/mo
Today · 4.125%
HK$33,769
baseline
▲ 0.50% · 4.625%
HK$35,823
+HK$2,054/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,538/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,351
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,299
−HK$961/mo
Today · 4.125%
HK$37,260
baseline
▲ 0.50% · 4.625%
HK$39,224
+HK$1,964/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,520/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,855
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,126
−HK$1,291/mo
Today · 4.125%
HK$43,417
baseline
▲ 0.50% · 4.625%
HK$46,059
+HK$2,642/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$86,834/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,451
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,670
−HK$1,236/mo
Today · 4.125%
HK$47,906
baseline
▲ 0.50% · 4.625%
HK$50,431
+HK$2,525/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$95,812/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,379 · 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).