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$22,604
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,307
−HK$715/mo
Today · 4.125%
HK$24,022
baseline
▲ 0.50% · 4.625%
HK$25,483
+HK$1,461/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,044/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,147
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,821
−HK$685/mo
Today · 4.125%
HK$26,506
baseline
▲ 0.50% · 4.625%
HK$27,903
+HK$1,397/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,012/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,125
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,969
−HK$857/mo
Today · 4.125%
HK$28,826
baseline
▲ 0.50% · 4.625%
HK$30,580
+HK$1,754/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,652/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,176
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,986
−HK$821/mo
Today · 4.125%
HK$31,807
baseline
▲ 0.50% · 4.625%
HK$33,483
+HK$1,676/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,614/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,646
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,630
−HK$1,000/mo
Today · 4.125%
HK$33,630
baseline
▲ 0.50% · 4.625%
HK$35,677
+HK$2,047/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,260/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,206
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,150
−HK$958/mo
Today · 4.125%
HK$37,108
baseline
▲ 0.50% · 4.625%
HK$39,064
+HK$1,956/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,216/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,688
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,953
−HK$1,286/mo
Today · 4.125%
HK$43,239
baseline
▲ 0.50% · 4.625%
HK$45,870
+HK$2,631/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$86,478/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,265
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,479
−HK$1,231/mo
Today · 4.125%
HK$47,710
baseline
▲ 0.50% · 4.625%
HK$50,225
+HK$2,515/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$95,420/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,305 · 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).