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$22,672
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,377
−HK$717/mo
Today · 4.125%
HK$24,094
baseline
▲ 0.50% · 4.625%
HK$25,560
+HK$1,466/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,188/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,223
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,899
−HK$686/mo
Today · 4.125%
HK$26,585
baseline
▲ 0.50% · 4.625%
HK$27,987
+HK$1,402/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,170/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,207
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,053
−HK$860/mo
Today · 4.125%
HK$28,913
baseline
▲ 0.50% · 4.625%
HK$30,672
+HK$1,759/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,826/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,267
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,079
−HK$823/mo
Today · 4.125%
HK$31,902
baseline
▲ 0.50% · 4.625%
HK$33,584
+HK$1,682/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,804/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,741
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,728
−HK$1,004/mo
Today · 4.125%
HK$33,732
baseline
▲ 0.50% · 4.625%
HK$35,784
+HK$2,052/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,464/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,312
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,259
−HK$960/mo
Today · 4.125%
HK$37,219
baseline
▲ 0.50% · 4.625%
HK$39,181
+HK$1,962/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,438/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,810
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,079
−HK$1,290/mo
Today · 4.125%
HK$43,369
baseline
▲ 0.50% · 4.625%
HK$46,008
+HK$2,639/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$86,738/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,401
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,618
−HK$1,235/mo
Today · 4.125%
HK$47,853
baseline
▲ 0.50% · 4.625%
HK$50,376
+HK$2,523/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$95,706/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,283 · 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).