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$22,669
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,374
−HK$717/mo
Today · 4.125%
HK$24,091
baseline
▲ 0.50% · 4.625%
HK$25,556
+HK$1,465/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,182/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$364,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,219
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,895
−HK$687/mo
Today · 4.125%
HK$26,582
baseline
▲ 0.50% · 4.625%
HK$27,983
+HK$1,401/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,164/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$364,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,203
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,049
−HK$860/mo
Today · 4.125%
HK$28,909
baseline
▲ 0.50% · 4.625%
HK$30,668
+HK$1,759/mo
Deposit HK$3.98M · loan HK$5.96M · min. income ≈ HK$57,818/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,263
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,075
−HK$823/mo
Today · 4.125%
HK$31,898
baseline
▲ 0.50% · 4.625%
HK$33,579
+HK$1,681/mo
Deposit HK$3.98M · loan HK$5.96M · min. income ≈ HK$63,796/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,737
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,724
−HK$1,003/mo
Today · 4.125%
HK$33,727
baseline
▲ 0.50% · 4.625%
HK$35,779
+HK$2,052/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,454/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,307
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,254
−HK$960/mo
Today · 4.125%
HK$37,214
baseline
▲ 0.50% · 4.625%
HK$39,176
+HK$1,962/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,428/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,804
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,074
−HK$1,289/mo
Today · 4.125%
HK$43,363
baseline
▲ 0.50% · 4.625%
HK$46,002
+HK$2,639/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$86,726/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,394
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,612
−HK$1,235/mo
Today · 4.125%
HK$47,847
baseline
▲ 0.50% · 4.625%
HK$50,369
+HK$2,522/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$95,694/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,146 · 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).