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$22,627
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,331
−HK$715/mo
Today · 4.125%
HK$24,046
baseline
▲ 0.50% · 4.625%
HK$25,510
+HK$1,464/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,092/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,173
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,848
−HK$685/mo
Today · 4.125%
HK$26,533
baseline
▲ 0.50% · 4.625%
HK$27,931
+HK$1,398/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,066/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,153
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$27,998
−HK$858/mo
Today · 4.125%
HK$28,856
baseline
▲ 0.50% · 4.625%
HK$30,611
+HK$1,755/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,712/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,207
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,018
−HK$821/mo
Today · 4.125%
HK$31,839
baseline
▲ 0.50% · 4.625%
HK$33,518
+HK$1,679/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,678/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,678
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,664
−HK$1,001/mo
Today · 4.125%
HK$33,665
baseline
▲ 0.50% · 4.625%
HK$35,713
+HK$2,048/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,330/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,242
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,187
−HK$959/mo
Today · 4.125%
HK$37,146
baseline
▲ 0.50% · 4.625%
HK$39,104
+HK$1,958/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,292/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,729
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$41,996
−HK$1,288/mo
Today · 4.125%
HK$43,284
baseline
▲ 0.50% · 4.625%
HK$45,917
+HK$2,633/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,568/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,311
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,526
−HK$1,233/mo
Today · 4.125%
HK$47,759
baseline
▲ 0.50% · 4.625%
HK$50,277
+HK$2,518/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,518/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,321 · 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).