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$22,726
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,432
−HK$719/mo
Today · 4.125%
HK$24,151
baseline
▲ 0.50% · 4.625%
HK$25,620
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,302/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,282
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,960
−HK$688/mo
Today · 4.125%
HK$26,648
baseline
▲ 0.50% · 4.625%
HK$28,053
+HK$1,405/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,296/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,271
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,119
−HK$862/mo
Today · 4.125%
HK$28,981
baseline
▲ 0.50% · 4.625%
HK$30,744
+HK$1,763/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,962/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,338
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,152
−HK$825/mo
Today · 4.125%
HK$31,977
baseline
▲ 0.50% · 4.625%
HK$33,663
+HK$1,686/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,954/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,816
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,805
−HK$1,006/mo
Today · 4.125%
HK$33,811
baseline
▲ 0.50% · 4.625%
HK$35,868
+HK$2,057/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,622/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,395
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,344
−HK$963/mo
Today · 4.125%
HK$37,307
baseline
▲ 0.50% · 4.625%
HK$39,274
+HK$1,967/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,614/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,906
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,178
−HK$1,293/mo
Today · 4.125%
HK$43,471
baseline
▲ 0.50% · 4.625%
HK$46,116
+HK$2,645/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$86,942/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,508
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,728
−HK$1,238/mo
Today · 4.125%
HK$47,966
baseline
▲ 0.50% · 4.625%
HK$50,495
+HK$2,529/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$95,932/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,625 · 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).