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$22,723
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,430
−HK$718/mo
Today · 4.125%
HK$24,148
baseline
▲ 0.50% · 4.625%
HK$25,617
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,296/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,279
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,957
−HK$688/mo
Today · 4.125%
HK$26,645
baseline
▲ 0.50% · 4.625%
HK$28,049
+HK$1,404/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,290/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,268
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,116
−HK$862/mo
Today · 4.125%
HK$28,978
baseline
▲ 0.50% · 4.625%
HK$30,741
+HK$1,763/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,956/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,335
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,149
−HK$825/mo
Today · 4.125%
HK$31,974
baseline
▲ 0.50% · 4.625%
HK$33,659
+HK$1,685/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,948/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,812
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,802
−HK$1,005/mo
Today · 4.125%
HK$33,807
baseline
▲ 0.50% · 4.625%
HK$35,864
+HK$2,057/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,614/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,391
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,340
−HK$963/mo
Today · 4.125%
HK$37,303
baseline
▲ 0.50% · 4.625%
HK$39,269
+HK$1,966/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,606/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,901
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,174
−HK$1,292/mo
Today · 4.125%
HK$43,466
baseline
▲ 0.50% · 4.625%
HK$46,111
+HK$2,645/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$86,932/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,502
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,723
−HK$1,238/mo
Today · 4.125%
HK$47,961
baseline
▲ 0.50% · 4.625%
HK$50,489
+HK$2,528/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$95,922/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,513 · 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).