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$22,720
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,427
−HK$718/mo
Today · 4.125%
HK$24,145
baseline
▲ 0.50% · 4.625%
HK$25,614
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,290/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,276
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,954
−HK$688/mo
Today · 4.125%
HK$26,642
baseline
▲ 0.50% · 4.625%
HK$28,046
+HK$1,404/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,284/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,264
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,112
−HK$862/mo
Today · 4.125%
HK$28,974
baseline
▲ 0.50% · 4.625%
HK$30,737
+HK$1,763/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,948/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,331
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,145
−HK$825/mo
Today · 4.125%
HK$31,970
baseline
▲ 0.50% · 4.625%
HK$33,655
+HK$1,685/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,940/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,808
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,798
−HK$1,005/mo
Today · 4.125%
HK$33,803
baseline
▲ 0.50% · 4.625%
HK$35,860
+HK$2,057/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,606/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,387
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,336
−HK$962/mo
Today · 4.125%
HK$37,298
baseline
▲ 0.50% · 4.625%
HK$39,264
+HK$1,966/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,596/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,897
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,169
−HK$1,292/mo
Today · 4.125%
HK$43,461
baseline
▲ 0.50% · 4.625%
HK$46,106
+HK$2,645/mo
Deposit HK$996K · loan HK$8.97M · min. income ≈ HK$86,922/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,497
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,717
−HK$1,238/mo
Today · 4.125%
HK$47,955
baseline
▲ 0.50% · 4.625%
HK$50,483
+HK$2,528/mo
Deposit HK$996K · loan HK$8.97M · min. income ≈ HK$95,910/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,392 · 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).