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$22,636
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,340
−HK$716/mo
Today · 4.125%
HK$24,056
baseline
▲ 0.50% · 4.625%
HK$25,520
+HK$1,464/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,112/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,183
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,858
−HK$685/mo
Today · 4.125%
HK$26,543
baseline
▲ 0.50% · 4.625%
HK$27,942
+HK$1,399/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,086/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,164
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,009
−HK$858/mo
Today · 4.125%
HK$28,867
baseline
▲ 0.50% · 4.625%
HK$30,624
+HK$1,757/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,734/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,219
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,030
−HK$822/mo
Today · 4.125%
HK$31,852
baseline
▲ 0.50% · 4.625%
HK$33,531
+HK$1,679/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,704/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,691
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,677
−HK$1,001/mo
Today · 4.125%
HK$33,678
baseline
▲ 0.50% · 4.625%
HK$35,727
+HK$2,049/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,356/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,256
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,201
−HK$960/mo
Today · 4.125%
HK$37,161
baseline
▲ 0.50% · 4.625%
HK$39,119
+HK$1,958/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,322/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,745
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,013
−HK$1,288/mo
Today · 4.125%
HK$43,301
baseline
▲ 0.50% · 4.625%
HK$45,935
+HK$2,634/mo
Deposit HK$993K · loan HK$8.93M · min. income ≈ HK$86,602/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,329
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,545
−HK$1,233/mo
Today · 4.125%
HK$47,778
baseline
▲ 0.50% · 4.625%
HK$50,296
+HK$2,518/mo
Deposit HK$993K · loan HK$8.93M · min. income ≈ HK$95,556/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,711 · 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).