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$22,655
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,360
−HK$716/mo
Today · 4.125%
HK$24,076
baseline
▲ 0.50% · 4.625%
HK$25,541
+HK$1,465/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,152/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,204
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,880
−HK$685/mo
Today · 4.125%
HK$26,565
baseline
▲ 0.50% · 4.625%
HK$27,966
+HK$1,401/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,130/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,186
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,032
−HK$859/mo
Today · 4.125%
HK$28,891
baseline
▲ 0.50% · 4.625%
HK$30,649
+HK$1,758/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,782/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,244
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,056
−HK$822/mo
Today · 4.125%
HK$31,878
baseline
▲ 0.50% · 4.625%
HK$33,559
+HK$1,681/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,756/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,717
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,704
−HK$1,002/mo
Today · 4.125%
HK$33,706
baseline
▲ 0.50% · 4.625%
HK$35,757
+HK$2,051/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,412/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,285
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,232
−HK$960/mo
Today · 4.125%
HK$37,192
baseline
▲ 0.50% · 4.625%
HK$39,152
+HK$1,960/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,384/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,779
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,048
−HK$1,289/mo
Today · 4.125%
HK$43,337
baseline
▲ 0.50% · 4.625%
HK$45,974
+HK$2,637/mo
Deposit HK$994K · loan HK$8.94M · min. income ≈ HK$86,674/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,367
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,583
−HK$1,235/mo
Today · 4.125%
HK$47,818
baseline
▲ 0.50% · 4.625%
HK$50,338
+HK$2,520/mo
Deposit HK$994K · loan HK$8.94M · min. income ≈ HK$95,636/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,539 · 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).