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$22,664
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,369
−HK$716/mo
Today · 4.125%
HK$24,085
baseline
▲ 0.50% · 4.625%
HK$25,551
+HK$1,466/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,170/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,213
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,890
−HK$686/mo
Today · 4.125%
HK$26,576
baseline
▲ 0.50% · 4.625%
HK$27,976
+HK$1,400/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,152/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,197
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,043
−HK$859/mo
Today · 4.125%
HK$28,902
baseline
▲ 0.50% · 4.625%
HK$30,661
+HK$1,759/mo
Deposit HK$3.98M · loan HK$5.96M · min. income ≈ HK$57,804/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,256
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,068
−HK$823/mo
Today · 4.125%
HK$31,891
baseline
▲ 0.50% · 4.625%
HK$33,572
+HK$1,681/mo
Deposit HK$3.98M · loan HK$5.96M · min. income ≈ HK$63,782/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,729
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,716
−HK$1,003/mo
Today · 4.125%
HK$33,719
baseline
▲ 0.50% · 4.625%
HK$35,771
+HK$2,052/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,438/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$363,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,299
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,245
−HK$961/mo
Today · 4.125%
HK$37,206
baseline
▲ 0.50% · 4.625%
HK$39,167
+HK$1,961/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,412/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$363,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,795
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,064
−HK$1,289/mo
Today · 4.125%
HK$43,353
baseline
▲ 0.50% · 4.625%
HK$45,991
+HK$2,638/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$86,706/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,384
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,601
−HK$1,235/mo
Today · 4.125%
HK$47,836
baseline
▲ 0.50% · 4.625%
HK$50,358
+HK$2,522/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$95,672/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,921 · 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).