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$22,702
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,408
−HK$718/mo
Today · 4.125%
HK$24,126
baseline
▲ 0.50% · 4.625%
HK$25,593
+HK$1,467/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,252/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,256
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,933
−HK$687/mo
Today · 4.125%
HK$26,620
baseline
▲ 0.50% · 4.625%
HK$28,023
+HK$1,403/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,240/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,242
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,090
−HK$861/mo
Today · 4.125%
HK$28,951
baseline
▲ 0.50% · 4.625%
HK$30,712
+HK$1,761/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,902/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,307
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,120
−HK$824/mo
Today · 4.125%
HK$31,944
baseline
▲ 0.50% · 4.625%
HK$33,628
+HK$1,684/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,888/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,783
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,771
−HK$1,005/mo
Today · 4.125%
HK$33,776
baseline
▲ 0.50% · 4.625%
HK$35,831
+HK$2,055/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,552/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,358
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,306
−HK$962/mo
Today · 4.125%
HK$37,268
baseline
▲ 0.50% · 4.625%
HK$39,233
+HK$1,965/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,536/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,863
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,134
−HK$1,292/mo
Today · 4.125%
HK$43,426
baseline
▲ 0.50% · 4.625%
HK$46,068
+HK$2,642/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$86,852/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,460
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,679
−HK$1,237/mo
Today · 4.125%
HK$47,916
baseline
▲ 0.50% · 4.625%
HK$50,442
+HK$2,526/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$95,832/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,585 · 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).