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$22,667
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,372
−HK$717/mo
Today · 4.125%
HK$24,089
baseline
▲ 0.50% · 4.625%
HK$25,555
+HK$1,466/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,178/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$364,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,217
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,893
−HK$687/mo
Today · 4.125%
HK$26,580
baseline
▲ 0.50% · 4.625%
HK$27,981
+HK$1,401/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,160/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$364,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,201
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,047
−HK$860/mo
Today · 4.125%
HK$28,907
baseline
▲ 0.50% · 4.625%
HK$30,665
+HK$1,758/mo
Deposit HK$3.98M · loan HK$5.96M · min. income ≈ HK$57,814/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,261
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,072
−HK$823/mo
Today · 4.125%
HK$31,895
baseline
▲ 0.50% · 4.625%
HK$33,577
+HK$1,682/mo
Deposit HK$3.98M · loan HK$5.96M · min. income ≈ HK$63,790/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,734
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,721
−HK$1,003/mo
Today · 4.125%
HK$33,724
baseline
▲ 0.50% · 4.625%
HK$35,776
+HK$2,052/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,448/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,304
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,251
−HK$960/mo
Today · 4.125%
HK$37,211
baseline
▲ 0.50% · 4.625%
HK$39,173
+HK$1,962/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,422/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,801
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,070
−HK$1,290/mo
Today · 4.125%
HK$43,360
baseline
▲ 0.50% · 4.625%
HK$45,998
+HK$2,638/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$86,720/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,391
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,608
−HK$1,235/mo
Today · 4.125%
HK$47,843
baseline
▲ 0.50% · 4.625%
HK$50,365
+HK$2,522/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$95,686/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,069 · 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).