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$22,670
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,375
−HK$717/mo
Today · 4.125%
HK$24,092
baseline
▲ 0.50% · 4.625%
HK$25,558
+HK$1,466/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,184/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,220
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,897
−HK$686/mo
Today · 4.125%
HK$26,583
baseline
▲ 0.50% · 4.625%
HK$27,984
+HK$1,401/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,166/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,204
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,050
−HK$860/mo
Today · 4.125%
HK$28,910
baseline
▲ 0.50% · 4.625%
HK$30,669
+HK$1,759/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,820/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,264
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,076
−HK$823/mo
Today · 4.125%
HK$31,899
baseline
▲ 0.50% · 4.625%
HK$33,581
+HK$1,682/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,798/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,738
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,725
−HK$1,003/mo
Today · 4.125%
HK$33,728
baseline
▲ 0.50% · 4.625%
HK$35,781
+HK$2,053/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,456/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,308
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,255
−HK$961/mo
Today · 4.125%
HK$37,216
baseline
▲ 0.50% · 4.625%
HK$39,178
+HK$1,962/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,432/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,806
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,075
−HK$1,290/mo
Today · 4.125%
HK$43,365
baseline
▲ 0.50% · 4.625%
HK$46,004
+HK$2,639/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$86,730/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,396
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,614
−HK$1,235/mo
Today · 4.125%
HK$47,849
baseline
▲ 0.50% · 4.625%
HK$50,371
+HK$2,522/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$95,698/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,190 · 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).