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$22,653
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,357
−HK$716/mo
Today · 4.125%
HK$24,073
baseline
▲ 0.50% · 4.625%
HK$25,538
+HK$1,465/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,146/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,201
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,877
−HK$685/mo
Today · 4.125%
HK$26,562
baseline
▲ 0.50% · 4.625%
HK$27,962
+HK$1,400/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,124/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,183
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,029
−HK$859/mo
Today · 4.125%
HK$28,888
baseline
▲ 0.50% · 4.625%
HK$30,646
+HK$1,758/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,776/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,241
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,052
−HK$823/mo
Today · 4.125%
HK$31,875
baseline
▲ 0.50% · 4.625%
HK$33,555
+HK$1,680/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,750/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,714
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,700
−HK$1,002/mo
Today · 4.125%
HK$33,702
baseline
▲ 0.50% · 4.625%
HK$35,753
+HK$2,051/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,404/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,281
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,227
−HK$960/mo
Today · 4.125%
HK$37,187
baseline
▲ 0.50% · 4.625%
HK$39,147
+HK$1,960/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,374/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,775
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,043
−HK$1,289/mo
Today · 4.125%
HK$43,332
baseline
▲ 0.50% · 4.625%
HK$45,968
+HK$2,636/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$86,664/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,361
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,578
−HK$1,234/mo
Today · 4.125%
HK$47,812
baseline
▲ 0.50% · 4.625%
HK$50,332
+HK$2,520/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$95,624/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,425 · 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).