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$22,727
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,434
−HK$718/mo
Today · 4.125%
HK$24,152
baseline
▲ 0.50% · 4.625%
HK$25,622
+HK$1,470/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$366,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,284
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,962
−HK$688/mo
Today · 4.125%
HK$26,650
baseline
▲ 0.50% · 4.625%
HK$28,054
+HK$1,404/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,300/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,273
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,121
−HK$862/mo
Today · 4.125%
HK$28,983
baseline
▲ 0.50% · 4.625%
HK$30,746
+HK$1,763/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,966/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,340
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,154
−HK$826/mo
Today · 4.125%
HK$31,980
baseline
▲ 0.50% · 4.625%
HK$33,665
+HK$1,685/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,960/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,818
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,808
−HK$1,005/mo
Today · 4.125%
HK$33,813
baseline
▲ 0.50% · 4.625%
HK$35,871
+HK$2,058/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,626/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,397
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,347
−HK$963/mo
Today · 4.125%
HK$37,310
baseline
▲ 0.50% · 4.625%
HK$39,276
+HK$1,966/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,620/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,909
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,181
−HK$1,293/mo
Today · 4.125%
HK$43,474
baseline
▲ 0.50% · 4.625%
HK$46,119
+HK$2,645/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$86,948/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,511
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,731
−HK$1,238/mo
Today · 4.125%
HK$47,969
baseline
▲ 0.50% · 4.625%
HK$50,498
+HK$2,529/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$95,938/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,692 · 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).