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$22,705
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,411
−HK$718/mo
Today · 4.125%
HK$24,129
baseline
▲ 0.50% · 4.625%
HK$25,597
+HK$1,468/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,258/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,259
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,936
−HK$688/mo
Today · 4.125%
HK$26,624
baseline
▲ 0.50% · 4.625%
HK$28,027
+HK$1,403/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,248/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,246
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,093
−HK$861/mo
Today · 4.125%
HK$28,954
baseline
▲ 0.50% · 4.625%
HK$30,716
+HK$1,762/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,908/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,311
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,124
−HK$824/mo
Today · 4.125%
HK$31,948
baseline
▲ 0.50% · 4.625%
HK$33,632
+HK$1,684/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,896/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,787
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,776
−HK$1,004/mo
Today · 4.125%
HK$33,780
baseline
▲ 0.50% · 4.625%
HK$35,836
+HK$2,056/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,560/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,363
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,311
−HK$962/mo
Today · 4.125%
HK$37,273
baseline
▲ 0.50% · 4.625%
HK$39,238
+HK$1,965/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,546/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,869
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,140
−HK$1,292/mo
Today · 4.125%
HK$43,432
baseline
▲ 0.50% · 4.625%
HK$46,074
+HK$2,642/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$86,864/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,466
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,686
−HK$1,237/mo
Today · 4.125%
HK$47,923
baseline
▲ 0.50% · 4.625%
HK$50,449
+HK$2,526/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$95,846/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,719 · 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).