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$22,684
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,390
−HK$717/mo
Today · 4.125%
HK$24,107
baseline
▲ 0.50% · 4.625%
HK$25,573
+HK$1,466/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,214/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,236
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,913
−HK$686/mo
Today · 4.125%
HK$26,599
baseline
▲ 0.50% · 4.625%
HK$28,001
+HK$1,402/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,198/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,221
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,068
−HK$860/mo
Today · 4.125%
HK$28,928
baseline
▲ 0.50% · 4.625%
HK$30,688
+HK$1,760/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,856/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,283
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,095
−HK$824/mo
Today · 4.125%
HK$31,919
baseline
▲ 0.50% · 4.625%
HK$33,602
+HK$1,683/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,838/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,758
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,746
−HK$1,003/mo
Today · 4.125%
HK$33,749
baseline
▲ 0.50% · 4.625%
HK$35,803
+HK$2,054/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,498/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,330
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,278
−HK$961/mo
Today · 4.125%
HK$37,239
baseline
▲ 0.50% · 4.625%
HK$39,202
+HK$1,963/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,478/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,831
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,101
−HK$1,291/mo
Today · 4.125%
HK$43,392
baseline
▲ 0.50% · 4.625%
HK$46,032
+HK$2,640/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$86,784/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,424
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,643
−HK$1,236/mo
Today · 4.125%
HK$47,879
baseline
▲ 0.50% · 4.625%
HK$50,402
+HK$2,523/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$95,758/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,805 · 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).