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$22,626
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,330
−HK$715/mo
Today · 4.125%
HK$24,045
baseline
▲ 0.50% · 4.625%
HK$25,508
+HK$1,463/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,090/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,171
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,846
−HK$685/mo
Today · 4.125%
HK$26,531
baseline
▲ 0.50% · 4.625%
HK$27,929
+HK$1,398/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,062/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,151
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$27,996
−HK$858/mo
Today · 4.125%
HK$28,854
baseline
▲ 0.50% · 4.625%
HK$30,609
+HK$1,755/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,708/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,205
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,015
−HK$822/mo
Today · 4.125%
HK$31,837
baseline
▲ 0.50% · 4.625%
HK$33,515
+HK$1,678/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,674/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,676
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,661
−HK$1,002/mo
Today · 4.125%
HK$33,663
baseline
▲ 0.50% · 4.625%
HK$35,711
+HK$2,048/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,326/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,239
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,185
−HK$958/mo
Today · 4.125%
HK$37,143
baseline
▲ 0.50% · 4.625%
HK$39,101
+HK$1,958/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,286/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,727
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,993
−HK$1,287/mo
Today · 4.125%
HK$43,280
baseline
▲ 0.50% · 4.625%
HK$45,914
+HK$2,634/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,560/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,308
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,523
−HK$1,233/mo
Today · 4.125%
HK$47,756
baseline
▲ 0.50% · 4.625%
HK$50,273
+HK$2,517/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,512/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,251 · 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).