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$22,693
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,399
−HK$717/mo
Today · 4.125%
HK$24,116
baseline
▲ 0.50% · 4.625%
HK$25,583
+HK$1,467/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,232/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,245
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,922
−HK$687/mo
Today · 4.125%
HK$26,609
baseline
▲ 0.50% · 4.625%
HK$28,012
+HK$1,403/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,218/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,231
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,078
−HK$861/mo
Today · 4.125%
HK$28,939
baseline
▲ 0.50% · 4.625%
HK$30,700
+HK$1,761/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,878/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,295
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,107
−HK$824/mo
Today · 4.125%
HK$31,931
baseline
▲ 0.50% · 4.625%
HK$33,614
+HK$1,683/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,862/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,770
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,758
−HK$1,004/mo
Today · 4.125%
HK$33,762
baseline
▲ 0.50% · 4.625%
HK$35,816
+HK$2,054/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,524/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,344
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,291
−HK$962/mo
Today · 4.125%
HK$37,253
baseline
▲ 0.50% · 4.625%
HK$39,217
+HK$1,964/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,506/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,847
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,117
−HK$1,291/mo
Today · 4.125%
HK$43,408
baseline
▲ 0.50% · 4.625%
HK$46,050
+HK$2,642/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$86,816/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,442
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,660
−HK$1,237/mo
Today · 4.125%
HK$47,897
baseline
▲ 0.50% · 4.625%
HK$50,422
+HK$2,525/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$95,794/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,183 · 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).