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$22,726
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,433
−HK$719/mo
Today · 4.125%
HK$24,152
baseline
▲ 0.50% · 4.625%
HK$25,621
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,304/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,283
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,961
−HK$688/mo
Today · 4.125%
HK$26,649
baseline
▲ 0.50% · 4.625%
HK$28,054
+HK$1,405/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,298/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,272
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,120
−HK$862/mo
Today · 4.125%
HK$28,982
baseline
▲ 0.50% · 4.625%
HK$30,745
+HK$1,763/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,964/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,340
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,153
−HK$826/mo
Today · 4.125%
HK$31,979
baseline
▲ 0.50% · 4.625%
HK$33,664
+HK$1,685/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,958/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,817
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,807
−HK$1,005/mo
Today · 4.125%
HK$33,812
baseline
▲ 0.50% · 4.625%
HK$35,870
+HK$2,058/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,624/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,396
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,345
−HK$964/mo
Today · 4.125%
HK$37,309
baseline
▲ 0.50% · 4.625%
HK$39,275
+HK$1,966/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,618/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,908
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,180
−HK$1,293/mo
Today · 4.125%
HK$43,473
baseline
▲ 0.50% · 4.625%
HK$46,118
+HK$2,645/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$86,946/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,509
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,730
−HK$1,238/mo
Today · 4.125%
HK$47,968
baseline
▲ 0.50% · 4.625%
HK$50,497
+HK$2,529/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$95,936/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,664 · 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).