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$22,624
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,328
−HK$715/mo
Today · 4.125%
HK$24,043
baseline
▲ 0.50% · 4.625%
HK$25,506
+HK$1,463/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,086/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,169
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,844
−HK$685/mo
Today · 4.125%
HK$26,529
baseline
▲ 0.50% · 4.625%
HK$27,928
+HK$1,399/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,058/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,149
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$27,994
−HK$858/mo
Today · 4.125%
HK$28,852
baseline
▲ 0.50% · 4.625%
HK$30,607
+HK$1,755/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,704/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,203
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,013
−HK$822/mo
Today · 4.125%
HK$31,835
baseline
▲ 0.50% · 4.625%
HK$33,513
+HK$1,678/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,670/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,674
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,659
−HK$1,001/mo
Today · 4.125%
HK$33,660
baseline
▲ 0.50% · 4.625%
HK$35,708
+HK$2,048/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,320/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,237
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,182
−HK$959/mo
Today · 4.125%
HK$37,141
baseline
▲ 0.50% · 4.625%
HK$39,099
+HK$1,958/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,282/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,724
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,991
−HK$1,287/mo
Today · 4.125%
HK$43,278
baseline
▲ 0.50% · 4.625%
HK$45,911
+HK$2,633/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,556/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,305
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,520
−HK$1,233/mo
Today · 4.125%
HK$47,753
baseline
▲ 0.50% · 4.625%
HK$50,270
+HK$2,517/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,506/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,184 · 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).