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$22,688
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,394
−HK$717/mo
Today · 4.125%
HK$24,111
baseline
▲ 0.50% · 4.625%
HK$25,578
+HK$1,467/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,222/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,240
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,917
−HK$687/mo
Today · 4.125%
HK$26,604
baseline
▲ 0.50% · 4.625%
HK$28,006
+HK$1,402/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,208/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,226
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,073
−HK$860/mo
Today · 4.125%
HK$28,933
baseline
▲ 0.50% · 4.625%
HK$30,694
+HK$1,761/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,866/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,288
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,101
−HK$824/mo
Today · 4.125%
HK$31,925
baseline
▲ 0.50% · 4.625%
HK$33,608
+HK$1,683/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,850/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,763
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,751
−HK$1,004/mo
Today · 4.125%
HK$33,755
baseline
▲ 0.50% · 4.625%
HK$35,809
+HK$2,054/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,510/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,336
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,284
−HK$962/mo
Today · 4.125%
HK$37,246
baseline
▲ 0.50% · 4.625%
HK$39,209
+HK$1,963/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,492/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,839
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,109
−HK$1,291/mo
Today · 4.125%
HK$43,400
baseline
▲ 0.50% · 4.625%
HK$46,040
+HK$2,640/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$86,800/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,433
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,651
−HK$1,236/mo
Today · 4.125%
HK$47,887
baseline
▲ 0.50% · 4.625%
HK$50,411
+HK$2,524/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$95,774/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,980 · 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).