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$22,677
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,382
−HK$717/mo
Today · 4.125%
HK$24,099
baseline
▲ 0.50% · 4.625%
HK$25,565
+HK$1,466/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,198/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,227
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,904
−HK$686/mo
Today · 4.125%
HK$26,590
baseline
▲ 0.50% · 4.625%
HK$27,992
+HK$1,402/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$364,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,212
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,058
−HK$860/mo
Today · 4.125%
HK$28,918
baseline
▲ 0.50% · 4.625%
HK$30,678
+HK$1,760/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$364,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,273
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,085
−HK$823/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$364,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,747
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,735
−HK$1,003/mo
Today · 4.125%
HK$33,738
baseline
▲ 0.50% · 4.625%
HK$35,791
+HK$2,053/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,476/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,318
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,266
−HK$961/mo
Today · 4.125%
HK$37,227
baseline
▲ 0.50% · 4.625%
HK$39,189
+HK$1,962/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,454/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,818
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,087
−HK$1,290/mo
Today · 4.125%
HK$43,377
baseline
▲ 0.50% · 4.625%
HK$46,017
+HK$2,640/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$86,754/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,409
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,627
−HK$1,236/mo
Today · 4.125%
HK$47,863
baseline
▲ 0.50% · 4.625%
HK$50,386
+HK$2,523/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$95,726/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,475 · 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).