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$22,615
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,318
−HK$715/mo
Today · 4.125%
HK$24,033
baseline
▲ 0.50% · 4.625%
HK$25,495
+HK$1,462/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,066/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,158
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,833
−HK$685/mo
Today · 4.125%
HK$26,518
baseline
▲ 0.50% · 4.625%
HK$27,915
+HK$1,397/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,036/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,137
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,982
−HK$857/mo
Today · 4.125%
HK$28,839
baseline
▲ 0.50% · 4.625%
HK$30,594
+HK$1,755/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,678/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,190
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,000
−HK$821/mo
Today · 4.125%
HK$31,821
baseline
▲ 0.50% · 4.625%
HK$33,499
+HK$1,678/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,642/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,660
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,645
−HK$1,001/mo
Today · 4.125%
HK$33,646
baseline
▲ 0.50% · 4.625%
HK$35,693
+HK$2,047/mo
Deposit HK$2.98M · loan HK$6.94M · min. income ≈ HK$67,292/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,222
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,166
−HK$959/mo
Today · 4.125%
HK$37,125
baseline
▲ 0.50% · 4.625%
HK$39,082
+HK$1,957/mo
Deposit HK$2.98M · loan HK$6.94M · min. income ≈ HK$74,250/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,706
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,972
−HK$1,287/mo
Today · 4.125%
HK$43,259
baseline
▲ 0.50% · 4.625%
HK$45,891
+HK$2,632/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,518/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,285
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,500
−HK$1,232/mo
Today · 4.125%
HK$47,732
baseline
▲ 0.50% · 4.625%
HK$50,248
+HK$2,516/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,464/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,753 · 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).