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$22,690
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,396
−HK$717/mo
Today · 4.125%
HK$24,113
baseline
▲ 0.50% · 4.625%
HK$25,580
+HK$1,467/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,226/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,243
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,920
−HK$686/mo
Today · 4.125%
HK$26,606
baseline
▲ 0.50% · 4.625%
HK$28,009
+HK$1,403/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,212/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,228
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,075
−HK$861/mo
Today · 4.125%
HK$28,936
baseline
▲ 0.50% · 4.625%
HK$30,696
+HK$1,760/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,872/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,291
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,104
−HK$824/mo
Today · 4.125%
HK$31,928
baseline
▲ 0.50% · 4.625%
HK$33,611
+HK$1,683/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,856/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,766
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,755
−HK$1,003/mo
Today · 4.125%
HK$33,758
baseline
▲ 0.50% · 4.625%
HK$35,813
+HK$2,055/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,516/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,340
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,288
−HK$961/mo
Today · 4.125%
HK$37,249
baseline
▲ 0.50% · 4.625%
HK$39,213
+HK$1,964/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,498/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,843
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,113
−HK$1,291/mo
Today · 4.125%
HK$43,404
baseline
▲ 0.50% · 4.625%
HK$46,045
+HK$2,641/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$86,808/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,437
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,655
−HK$1,237/mo
Today · 4.125%
HK$47,892
baseline
▲ 0.50% · 4.625%
HK$50,416
+HK$2,524/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$95,784/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,076 · 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).