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$22,603
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,306
−HK$715/mo
Today · 4.125%
HK$24,021
baseline
▲ 0.50% · 4.625%
HK$25,482
+HK$1,461/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,042/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,146
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,820
−HK$684/mo
Today · 4.125%
HK$26,504
baseline
▲ 0.50% · 4.625%
HK$27,901
+HK$1,397/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,008/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,124
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,968
−HK$857/mo
Today · 4.125%
HK$28,825
baseline
▲ 0.50% · 4.625%
HK$30,579
+HK$1,754/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,650/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,175
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,984
−HK$821/mo
Today · 4.125%
HK$31,805
baseline
▲ 0.50% · 4.625%
HK$33,482
+HK$1,677/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,610/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,644
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,629
−HK$1,000/mo
Today · 4.125%
HK$33,629
baseline
▲ 0.50% · 4.625%
HK$35,675
+HK$2,046/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,258/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,204
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,148
−HK$958/mo
Today · 4.125%
HK$37,106
baseline
▲ 0.50% · 4.625%
HK$39,062
+HK$1,956/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,212/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,686
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,951
−HK$1,286/mo
Today · 4.125%
HK$43,237
baseline
▲ 0.50% · 4.625%
HK$45,868
+HK$2,631/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$86,474/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,263
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,476
−HK$1,232/mo
Today · 4.125%
HK$47,708
baseline
▲ 0.50% · 4.625%
HK$50,223
+HK$2,515/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$95,416/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,258 · 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).