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$22,614
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,317
−HK$715/mo
Today · 4.125%
HK$24,032
baseline
▲ 0.50% · 4.625%
HK$25,494
+HK$1,462/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,064/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,157
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,832
−HK$685/mo
Today · 4.125%
HK$26,517
baseline
▲ 0.50% · 4.625%
HK$27,914
+HK$1,397/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,034/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,136
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,980
−HK$858/mo
Today · 4.125%
HK$28,838
baseline
▲ 0.50% · 4.625%
HK$30,593
+HK$1,755/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,676/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,189
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,999
−HK$821/mo
Today · 4.125%
HK$31,820
baseline
▲ 0.50% · 4.625%
HK$33,497
+HK$1,677/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,640/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,659
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,644
−HK$1,000/mo
Today · 4.125%
HK$33,644
baseline
▲ 0.50% · 4.625%
HK$35,692
+HK$2,048/mo
Deposit HK$2.98M · loan HK$6.94M · min. income ≈ HK$67,288/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,220
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,165
−HK$958/mo
Today · 4.125%
HK$37,123
baseline
▲ 0.50% · 4.625%
HK$39,080
+HK$1,957/mo
Deposit HK$2.98M · loan HK$6.94M · min. income ≈ HK$74,246/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,705
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,971
−HK$1,286/mo
Today · 4.125%
HK$43,257
baseline
▲ 0.50% · 4.625%
HK$45,889
+HK$2,632/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,514/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,283
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,498
−HK$1,232/mo
Today · 4.125%
HK$47,730
baseline
▲ 0.50% · 4.625%
HK$50,246
+HK$2,516/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,460/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,714 · 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).