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$22,634
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,338
−HK$715/mo
Today · 4.125%
HK$24,053
baseline
▲ 0.50% · 4.625%
HK$25,517
+HK$1,464/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,106/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,180
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,855
−HK$685/mo
Today · 4.125%
HK$26,540
baseline
▲ 0.50% · 4.625%
HK$27,939
+HK$1,399/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,080/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,161
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,005
−HK$859/mo
Today · 4.125%
HK$28,864
baseline
▲ 0.50% · 4.625%
HK$30,620
+HK$1,756/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,728/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,216
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,026
−HK$822/mo
Today · 4.125%
HK$31,848
baseline
▲ 0.50% · 4.625%
HK$33,527
+HK$1,679/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,696/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,687
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,673
−HK$1,001/mo
Today · 4.125%
HK$33,674
baseline
▲ 0.50% · 4.625%
HK$35,723
+HK$2,049/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,348/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,252
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,197
−HK$959/mo
Today · 4.125%
HK$37,156
baseline
▲ 0.50% · 4.625%
HK$39,115
+HK$1,959/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,312/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,741
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,008
−HK$1,288/mo
Today · 4.125%
HK$43,296
baseline
▲ 0.50% · 4.625%
HK$45,930
+HK$2,634/mo
Deposit HK$993K · loan HK$8.93M · min. income ≈ HK$86,592/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,324
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,539
−HK$1,233/mo
Today · 4.125%
HK$47,772
baseline
▲ 0.50% · 4.625%
HK$50,291
+HK$2,519/mo
Deposit HK$993K · loan HK$8.93M · min. income ≈ HK$95,544/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,598 · 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).