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$22,714
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,420
−HK$718/mo
Today · 4.125%
HK$24,138
baseline
▲ 0.50% · 4.625%
HK$25,607
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,276/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,269
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,946
−HK$688/mo
Today · 4.125%
HK$26,634
baseline
▲ 0.50% · 4.625%
HK$28,038
+HK$1,404/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,268/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,256
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,104
−HK$862/mo
Today · 4.125%
HK$28,966
baseline
▲ 0.50% · 4.625%
HK$30,728
+HK$1,762/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$57,932/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,322
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,136
−HK$825/mo
Today · 4.125%
HK$31,961
baseline
▲ 0.50% · 4.625%
HK$33,645
+HK$1,684/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$63,922/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,799
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,788
−HK$1,005/mo
Today · 4.125%
HK$33,793
baseline
▲ 0.50% · 4.625%
HK$35,849
+HK$2,056/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,586/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$366,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,376
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,325
−HK$962/mo
Today · 4.125%
HK$37,287
baseline
▲ 0.50% · 4.625%
HK$39,253
+HK$1,966/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,574/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$366,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,885
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,156
−HK$1,292/mo
Today · 4.125%
HK$43,448
baseline
▲ 0.50% · 4.625%
HK$46,092
+HK$2,644/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$86,896/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,484
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,703
−HK$1,238/mo
Today · 4.125%
HK$47,941
baseline
▲ 0.50% · 4.625%
HK$50,468
+HK$2,527/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$95,882/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,100 · 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).