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$22,606
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,309
−HK$714/mo
Today · 4.125%
HK$24,023
baseline
▲ 0.50% · 4.625%
HK$25,485
+HK$1,462/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,046/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,149
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,823
−HK$684/mo
Today · 4.125%
HK$26,507
baseline
▲ 0.50% · 4.625%
HK$27,905
+HK$1,398/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,014/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,127
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,971
−HK$857/mo
Today · 4.125%
HK$28,828
baseline
▲ 0.50% · 4.625%
HK$30,582
+HK$1,754/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,656/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,178
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,988
−HK$821/mo
Today · 4.125%
HK$31,809
baseline
▲ 0.50% · 4.625%
HK$33,486
+HK$1,677/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,618/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,648
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,633
−HK$1,000/mo
Today · 4.125%
HK$33,633
baseline
▲ 0.50% · 4.625%
HK$35,679
+HK$2,046/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,266/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,208
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,152
−HK$958/mo
Today · 4.125%
HK$37,110
baseline
▲ 0.50% · 4.625%
HK$39,066
+HK$1,956/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,220/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,690
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,956
−HK$1,286/mo
Today · 4.125%
HK$43,242
baseline
▲ 0.50% · 4.625%
HK$45,873
+HK$2,631/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$86,484/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,268
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,482
−HK$1,231/mo
Today · 4.125%
HK$47,713
baseline
▲ 0.50% · 4.625%
HK$50,228
+HK$2,515/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$95,426/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,370 · 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).