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$22,696
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,402
−HK$717/mo
Today · 4.125%
HK$24,119
baseline
▲ 0.50% · 4.625%
HK$25,587
+HK$1,468/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,238/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,249
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,926
−HK$687/mo
Today · 4.125%
HK$26,613
baseline
▲ 0.50% · 4.625%
HK$28,016
+HK$1,403/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,226/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,235
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,082
−HK$861/mo
Today · 4.125%
HK$28,943
baseline
▲ 0.50% · 4.625%
HK$30,704
+HK$1,761/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,886/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,299
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,111
−HK$824/mo
Today · 4.125%
HK$31,935
baseline
▲ 0.50% · 4.625%
HK$33,619
+HK$1,684/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,870/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,774
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,762
−HK$1,005/mo
Today · 4.125%
HK$33,767
baseline
▲ 0.50% · 4.625%
HK$35,821
+HK$2,054/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,534/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,348
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,296
−HK$962/mo
Today · 4.125%
HK$37,258
baseline
▲ 0.50% · 4.625%
HK$39,222
+HK$1,964/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,516/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,852
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,123
−HK$1,291/mo
Today · 4.125%
HK$43,414
baseline
▲ 0.50% · 4.625%
HK$46,056
+HK$2,642/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$86,828/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,448
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,667
−HK$1,236/mo
Today · 4.125%
HK$47,903
baseline
▲ 0.50% · 4.625%
HK$50,428
+HK$2,525/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$95,806/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,316 · 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).