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$22,620
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,324
−HK$715/mo
Today · 4.125%
HK$24,039
baseline
▲ 0.50% · 4.625%
HK$25,502
+HK$1,463/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,078/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,165
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,840
−HK$685/mo
Today · 4.125%
HK$26,525
baseline
▲ 0.50% · 4.625%
HK$27,923
+HK$1,398/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,050/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,144
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$27,989
−HK$858/mo
Today · 4.125%
HK$28,847
baseline
▲ 0.50% · 4.625%
HK$30,602
+HK$1,755/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,694/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,198
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,008
−HK$821/mo
Today · 4.125%
HK$31,829
baseline
▲ 0.50% · 4.625%
HK$33,507
+HK$1,678/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,658/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,669
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,654
−HK$1,000/mo
Today · 4.125%
HK$33,654
baseline
▲ 0.50% · 4.625%
HK$35,702
+HK$2,048/mo
Deposit HK$2.98M · loan HK$6.94M · min. income ≈ HK$67,308/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,231
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,176
−HK$958/mo
Today · 4.125%
HK$37,134
baseline
▲ 0.50% · 4.625%
HK$39,092
+HK$1,958/mo
Deposit HK$2.98M · loan HK$6.94M · min. income ≈ HK$74,268/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,717
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,983
−HK$1,287/mo
Today · 4.125%
HK$43,270
baseline
▲ 0.50% · 4.625%
HK$45,903
+HK$2,633/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,540/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,297
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,512
−HK$1,232/mo
Today · 4.125%
HK$47,744
baseline
▲ 0.50% · 4.625%
HK$50,261
+HK$2,517/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,488/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,011 · 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).