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$22,676
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,381
−HK$717/mo
Today · 4.125%
HK$24,098
baseline
▲ 0.50% · 4.625%
HK$25,564
+HK$1,466/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,196/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,227
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,903
−HK$687/mo
Today · 4.125%
HK$26,590
baseline
▲ 0.50% · 4.625%
HK$27,991
+HK$1,401/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,180/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,211
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,058
−HK$860/mo
Today · 4.125%
HK$28,918
baseline
▲ 0.50% · 4.625%
HK$30,677
+HK$1,759/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,836/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,272
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,084
−HK$824/mo
Today · 4.125%
HK$31,908
baseline
▲ 0.50% · 4.625%
HK$33,590
+HK$1,682/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,816/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,746
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,734
−HK$1,003/mo
Today · 4.125%
HK$33,737
baseline
▲ 0.50% · 4.625%
HK$35,790
+HK$2,053/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,474/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,318
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,265
−HK$961/mo
Today · 4.125%
HK$37,226
baseline
▲ 0.50% · 4.625%
HK$39,188
+HK$1,962/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,452/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,817
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,086
−HK$1,290/mo
Today · 4.125%
HK$43,376
baseline
▲ 0.50% · 4.625%
HK$46,016
+HK$2,640/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$86,752/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,408
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,626
−HK$1,236/mo
Today · 4.125%
HK$47,862
baseline
▲ 0.50% · 4.625%
HK$50,384
+HK$2,522/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$95,724/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,450 · 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).