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$22,631
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,335
−HK$716/mo
Today · 4.125%
HK$24,051
baseline
▲ 0.50% · 4.625%
HK$25,514
+HK$1,463/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,102/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,177
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,852
−HK$685/mo
Today · 4.125%
HK$26,537
baseline
▲ 0.50% · 4.625%
HK$27,936
+HK$1,399/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,074/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,158
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,002
−HK$859/mo
Today · 4.125%
HK$28,861
baseline
▲ 0.50% · 4.625%
HK$30,617
+HK$1,756/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,722/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,213
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,023
−HK$822/mo
Today · 4.125%
HK$31,845
baseline
▲ 0.50% · 4.625%
HK$33,523
+HK$1,678/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,690/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,684
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,669
−HK$1,002/mo
Today · 4.125%
HK$33,671
baseline
▲ 0.50% · 4.625%
HK$35,720
+HK$2,049/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,342/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,248
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,193
−HK$959/mo
Today · 4.125%
HK$37,152
baseline
▲ 0.50% · 4.625%
HK$39,111
+HK$1,959/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,304/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,736
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,004
−HK$1,287/mo
Today · 4.125%
HK$43,291
baseline
▲ 0.50% · 4.625%
HK$45,925
+HK$2,634/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,582/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,319
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,534
−HK$1,233/mo
Today · 4.125%
HK$47,767
baseline
▲ 0.50% · 4.625%
HK$50,285
+HK$2,518/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,534/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,493 · 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).