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$22,645
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,349
−HK$716/mo
Today · 4.125%
HK$24,065
baseline
▲ 0.50% · 4.625%
HK$25,529
+HK$1,464/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,130/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,192
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,868
−HK$685/mo
Today · 4.125%
HK$26,553
baseline
▲ 0.50% · 4.625%
HK$27,953
+HK$1,400/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,106/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,174
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,019
−HK$859/mo
Today · 4.125%
HK$28,878
baseline
▲ 0.50% · 4.625%
HK$30,635
+HK$1,757/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,756/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,230
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,041
−HK$823/mo
Today · 4.125%
HK$31,864
baseline
▲ 0.50% · 4.625%
HK$33,543
+HK$1,679/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,728/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,703
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,689
−HK$1,002/mo
Today · 4.125%
HK$33,691
baseline
▲ 0.50% · 4.625%
HK$35,741
+HK$2,050/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,382/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,269
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,215
−HK$959/mo
Today · 4.125%
HK$37,174
baseline
▲ 0.50% · 4.625%
HK$39,134
+HK$1,960/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,348/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,760
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,028
−HK$1,289/mo
Today · 4.125%
HK$43,317
baseline
▲ 0.50% · 4.625%
HK$45,952
+HK$2,635/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$86,634/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,346
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,562
−HK$1,234/mo
Today · 4.125%
HK$47,796
baseline
▲ 0.50% · 4.625%
HK$50,315
+HK$2,519/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$95,592/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,078 · 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).