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$22,718
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,425
−HK$718/mo
Today · 4.125%
HK$24,143
baseline
▲ 0.50% · 4.625%
HK$25,612
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,286/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,274
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,952
−HK$687/mo
Today · 4.125%
HK$26,639
baseline
▲ 0.50% · 4.625%
HK$28,043
+HK$1,404/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,278/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,262
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,110
−HK$861/mo
Today · 4.125%
HK$28,971
baseline
▲ 0.50% · 4.625%
HK$30,734
+HK$1,763/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,942/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,329
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,142
−HK$825/mo
Today · 4.125%
HK$31,967
baseline
▲ 0.50% · 4.625%
HK$33,652
+HK$1,685/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,934/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,805
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,795
−HK$1,005/mo
Today · 4.125%
HK$33,800
baseline
▲ 0.50% · 4.625%
HK$35,857
+HK$2,057/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,600/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,383
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,332
−HK$963/mo
Today · 4.125%
HK$37,295
baseline
▲ 0.50% · 4.625%
HK$39,261
+HK$1,966/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,590/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,893
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,165
−HK$1,292/mo
Today · 4.125%
HK$43,457
baseline
▲ 0.50% · 4.625%
HK$46,101
+HK$2,644/mo
Deposit HK$996K · loan HK$8.97M · min. income ≈ HK$86,914/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,493
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,713
−HK$1,238/mo
Today · 4.125%
HK$47,951
baseline
▲ 0.50% · 4.625%
HK$50,478
+HK$2,527/mo
Deposit HK$996K · loan HK$8.97M · min. income ≈ HK$95,902/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,301 · 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).