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$22,730
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,437
−HK$718/mo
Today · 4.125%
HK$24,155
baseline
▲ 0.50% · 4.625%
HK$25,625
+HK$1,470/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,310/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,287
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,965
−HK$688/mo
Today · 4.125%
HK$26,653
baseline
▲ 0.50% · 4.625%
HK$28,058
+HK$1,405/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,306/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,276
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,124
−HK$862/mo
Today · 4.125%
HK$28,986
baseline
▲ 0.50% · 4.625%
HK$30,750
+HK$1,764/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,972/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,344
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,158
−HK$826/mo
Today · 4.125%
HK$31,984
baseline
▲ 0.50% · 4.625%
HK$33,669
+HK$1,685/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,968/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,822
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,812
−HK$1,005/mo
Today · 4.125%
HK$33,817
baseline
▲ 0.50% · 4.625%
HK$35,875
+HK$2,058/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,634/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,402
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,351
−HK$963/mo
Today · 4.125%
HK$37,314
baseline
▲ 0.50% · 4.625%
HK$39,281
+HK$1,967/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,628/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,914
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,187
−HK$1,293/mo
Today · 4.125%
HK$43,480
baseline
▲ 0.50% · 4.625%
HK$46,125
+HK$2,645/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$86,960/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,516
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,737
−HK$1,238/mo
Today · 4.125%
HK$47,975
baseline
▲ 0.50% · 4.625%
HK$50,504
+HK$2,529/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$95,950/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,815 · 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).