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$22,665
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,370
−HK$717/mo
Today · 4.125%
HK$24,087
baseline
▲ 0.50% · 4.625%
HK$25,552
+HK$1,465/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,174/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,215
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,891
−HK$686/mo
Today · 4.125%
HK$26,577
baseline
▲ 0.50% · 4.625%
HK$27,978
+HK$1,401/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,154/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,198
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,044
−HK$860/mo
Today · 4.125%
HK$28,904
baseline
▲ 0.50% · 4.625%
HK$30,663
+HK$1,759/mo
Deposit HK$3.98M · loan HK$5.96M · min. income ≈ HK$57,808/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,258
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,069
−HK$824/mo
Today · 4.125%
HK$31,893
baseline
▲ 0.50% · 4.625%
HK$33,574
+HK$1,681/mo
Deposit HK$3.98M · loan HK$5.96M · min. income ≈ HK$63,786/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,731
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,718
−HK$1,003/mo
Today · 4.125%
HK$33,721
baseline
▲ 0.50% · 4.625%
HK$35,773
+HK$2,052/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,442/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$363,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,301
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,248
−HK$960/mo
Today · 4.125%
HK$37,208
baseline
▲ 0.50% · 4.625%
HK$39,169
+HK$1,961/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,416/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$363,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,798
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,067
−HK$1,289/mo
Today · 4.125%
HK$43,356
baseline
▲ 0.50% · 4.625%
HK$45,994
+HK$2,638/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$86,712/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,387
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,604
−HK$1,235/mo
Today · 4.125%
HK$47,839
baseline
▲ 0.50% · 4.625%
HK$50,361
+HK$2,522/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$95,678/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,980 · 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).