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$22,640
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,344
−HK$716/mo
Today · 4.125%
HK$24,060
baseline
▲ 0.50% · 4.625%
HK$25,524
+HK$1,464/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,120/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,187
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,862
−HK$686/mo
Today · 4.125%
HK$26,548
baseline
▲ 0.50% · 4.625%
HK$27,947
+HK$1,399/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,096/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,168
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,013
−HK$859/mo
Today · 4.125%
HK$28,872
baseline
▲ 0.50% · 4.625%
HK$30,629
+HK$1,757/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,744/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,224
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,035
−HK$822/mo
Today · 4.125%
HK$31,857
baseline
▲ 0.50% · 4.625%
HK$33,536
+HK$1,679/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,714/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,696
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,682
−HK$1,002/mo
Today · 4.125%
HK$33,684
baseline
▲ 0.50% · 4.625%
HK$35,733
+HK$2,049/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,368/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,262
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,207
−HK$960/mo
Today · 4.125%
HK$37,167
baseline
▲ 0.50% · 4.625%
HK$39,126
+HK$1,959/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,334/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,752
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,020
−HK$1,288/mo
Today · 4.125%
HK$43,308
baseline
▲ 0.50% · 4.625%
HK$45,943
+HK$2,635/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$86,616/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,336
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,552
−HK$1,234/mo
Today · 4.125%
HK$47,786
baseline
▲ 0.50% · 4.625%
HK$50,305
+HK$2,519/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$95,572/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,878 · 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).