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$22,649
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,353
−HK$716/mo
Today · 4.125%
HK$24,069
baseline
▲ 0.50% · 4.625%
HK$25,534
+HK$1,465/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,138/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,197
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,872
−HK$686/mo
Today · 4.125%
HK$26,558
baseline
▲ 0.50% · 4.625%
HK$27,958
+HK$1,400/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,116/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,178
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,024
−HK$859/mo
Today · 4.125%
HK$28,883
baseline
▲ 0.50% · 4.625%
HK$30,640
+HK$1,757/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,766/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,236
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,047
−HK$822/mo
Today · 4.125%
HK$31,869
baseline
▲ 0.50% · 4.625%
HK$33,549
+HK$1,680/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,738/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,708
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,695
−HK$1,002/mo
Today · 4.125%
HK$33,697
baseline
▲ 0.50% · 4.625%
HK$35,747
+HK$2,050/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,394/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,275
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,221
−HK$960/mo
Today · 4.125%
HK$37,181
baseline
▲ 0.50% · 4.625%
HK$39,141
+HK$1,960/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,362/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,768
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,036
−HK$1,288/mo
Today · 4.125%
HK$43,324
baseline
▲ 0.50% · 4.625%
HK$45,960
+HK$2,636/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$86,648/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,354
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,570
−HK$1,234/mo
Today · 4.125%
HK$47,804
baseline
▲ 0.50% · 4.625%
HK$50,324
+HK$2,520/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$95,608/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,255 · 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).