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$22,614
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,318
−HK$714/mo
Today · 4.125%
HK$24,032
baseline
▲ 0.50% · 4.625%
HK$25,495
+HK$1,463/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,064/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,158
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,833
−HK$684/mo
Today · 4.125%
HK$26,517
baseline
▲ 0.50% · 4.625%
HK$27,915
+HK$1,398/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,034/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,137
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,981
−HK$858/mo
Today · 4.125%
HK$28,839
baseline
▲ 0.50% · 4.625%
HK$30,593
+HK$1,754/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$361,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,190
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,999
−HK$822/mo
Today · 4.125%
HK$31,821
baseline
▲ 0.50% · 4.625%
HK$33,498
+HK$1,677/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$361,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,660
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,645
−HK$1,000/mo
Today · 4.125%
HK$33,645
baseline
▲ 0.50% · 4.625%
HK$35,692
+HK$2,047/mo
Deposit HK$2.98M · loan HK$6.94M · min. income ≈ HK$67,290/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,221
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,166
−HK$958/mo
Today · 4.125%
HK$37,124
baseline
▲ 0.50% · 4.625%
HK$39,081
+HK$1,957/mo
Deposit HK$2.98M · loan HK$6.94M · min. income ≈ HK$74,248/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,705
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,972
−HK$1,286/mo
Today · 4.125%
HK$43,258
baseline
▲ 0.50% · 4.625%
HK$45,890
+HK$2,632/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,516/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,284
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,499
−HK$1,232/mo
Today · 4.125%
HK$47,731
baseline
▲ 0.50% · 4.625%
HK$50,247
+HK$2,516/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,462/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,737 · 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).