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$22,657
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,362
−HK$716/mo
Today · 4.125%
HK$24,078
baseline
▲ 0.50% · 4.625%
HK$25,543
+HK$1,465/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,156/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,206
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,882
−HK$686/mo
Today · 4.125%
HK$26,568
baseline
▲ 0.50% · 4.625%
HK$27,968
+HK$1,400/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,136/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,189
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,034
−HK$860/mo
Today · 4.125%
HK$28,894
baseline
▲ 0.50% · 4.625%
HK$30,652
+HK$1,758/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,788/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,247
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,058
−HK$823/mo
Today · 4.125%
HK$31,881
baseline
▲ 0.50% · 4.625%
HK$33,562
+HK$1,681/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,762/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,720
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,707
−HK$1,002/mo
Today · 4.125%
HK$33,709
baseline
▲ 0.50% · 4.625%
HK$35,760
+HK$2,051/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,418/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,288
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,235
−HK$960/mo
Today · 4.125%
HK$37,195
baseline
▲ 0.50% · 4.625%
HK$39,155
+HK$1,960/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,390/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,783
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,051
−HK$1,289/mo
Today · 4.125%
HK$43,340
baseline
▲ 0.50% · 4.625%
HK$45,977
+HK$2,637/mo
Deposit HK$994K · loan HK$8.94M · min. income ≈ HK$86,680/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,371
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,587
−HK$1,235/mo
Today · 4.125%
HK$47,822
baseline
▲ 0.50% · 4.625%
HK$50,343
+HK$2,521/mo
Deposit HK$994K · loan HK$8.94M · min. income ≈ HK$95,644/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,623 · 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).