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$22,717
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,424
−HK$718/mo
Today · 4.125%
HK$24,142
baseline
▲ 0.50% · 4.625%
HK$25,611
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,284/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,273
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,950
−HK$688/mo
Today · 4.125%
HK$26,638
baseline
▲ 0.50% · 4.625%
HK$28,042
+HK$1,404/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,276/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,261
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,108
−HK$862/mo
Today · 4.125%
HK$28,970
baseline
▲ 0.50% · 4.625%
HK$30,733
+HK$1,763/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,940/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,327
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,140
−HK$826/mo
Today · 4.125%
HK$31,966
baseline
▲ 0.50% · 4.625%
HK$33,650
+HK$1,684/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,932/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,804
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,793
−HK$1,005/mo
Today · 4.125%
HK$33,798
baseline
▲ 0.50% · 4.625%
HK$35,855
+HK$2,057/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,596/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,382
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,330
−HK$963/mo
Today · 4.125%
HK$37,293
baseline
▲ 0.50% · 4.625%
HK$39,259
+HK$1,966/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,586/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,891
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,163
−HK$1,292/mo
Today · 4.125%
HK$43,455
baseline
▲ 0.50% · 4.625%
HK$46,099
+HK$2,644/mo
Deposit HK$996K · loan HK$8.97M · min. income ≈ HK$86,910/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,491
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,711
−HK$1,237/mo
Today · 4.125%
HK$47,948
baseline
▲ 0.50% · 4.625%
HK$50,476
+HK$2,528/mo
Deposit HK$996K · loan HK$8.97M · min. income ≈ HK$95,896/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,253 · 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).