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$22,691
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,397
−HK$717/mo
Today · 4.125%
HK$24,114
baseline
▲ 0.50% · 4.625%
HK$25,581
+HK$1,467/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,228/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,243
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,920
−HK$687/mo
Today · 4.125%
HK$26,607
baseline
▲ 0.50% · 4.625%
HK$28,010
+HK$1,403/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,214/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,229
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,076
−HK$861/mo
Today · 4.125%
HK$28,937
baseline
▲ 0.50% · 4.625%
HK$30,697
+HK$1,760/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,874/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,292
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,105
−HK$824/mo
Today · 4.125%
HK$31,929
baseline
▲ 0.50% · 4.625%
HK$33,612
+HK$1,683/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,858/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,767
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,755
−HK$1,004/mo
Today · 4.125%
HK$33,759
baseline
▲ 0.50% · 4.625%
HK$35,814
+HK$2,055/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,518/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,341
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,289
−HK$961/mo
Today · 4.125%
HK$37,250
baseline
▲ 0.50% · 4.625%
HK$39,214
+HK$1,964/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,500/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,844
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,114
−HK$1,291/mo
Today · 4.125%
HK$43,405
baseline
▲ 0.50% · 4.625%
HK$46,046
+HK$2,641/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$86,810/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,438
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,657
−HK$1,236/mo
Today · 4.125%
HK$47,893
baseline
▲ 0.50% · 4.625%
HK$50,418
+HK$2,525/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$95,786/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,106 · 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).