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$22,682
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,388
−HK$717/mo
Today · 4.125%
HK$24,105
baseline
▲ 0.50% · 4.625%
HK$25,571
+HK$1,466/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,210/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,234
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,911
−HK$686/mo
Today · 4.125%
HK$26,597
baseline
▲ 0.50% · 4.625%
HK$27,999
+HK$1,402/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,194/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,219
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,065
−HK$861/mo
Today · 4.125%
HK$28,926
baseline
▲ 0.50% · 4.625%
HK$30,686
+HK$1,760/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,852/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,281
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,093
−HK$824/mo
Today · 4.125%
HK$31,917
baseline
▲ 0.50% · 4.625%
HK$33,599
+HK$1,682/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,834/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,755
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,743
−HK$1,004/mo
Today · 4.125%
HK$33,747
baseline
▲ 0.50% · 4.625%
HK$35,800
+HK$2,053/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,494/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,327
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,275
−HK$961/mo
Today · 4.125%
HK$37,236
baseline
▲ 0.50% · 4.625%
HK$39,199
+HK$1,963/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,472/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,828
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,098
−HK$1,291/mo
Today · 4.125%
HK$43,389
baseline
▲ 0.50% · 4.625%
HK$46,029
+HK$2,640/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$86,778/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,421
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,639
−HK$1,236/mo
Today · 4.125%
HK$47,875
baseline
▲ 0.50% · 4.625%
HK$50,398
+HK$2,523/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$95,750/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,728 · 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).