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$22,611
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,314
−HK$715/mo
Today · 4.125%
HK$24,029
baseline
▲ 0.50% · 4.625%
HK$25,491
+HK$1,462/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,058/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,154
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,829
−HK$684/mo
Today · 4.125%
HK$26,513
baseline
▲ 0.50% · 4.625%
HK$27,911
+HK$1,398/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,026/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,133
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,977
−HK$857/mo
Today · 4.125%
HK$28,834
baseline
▲ 0.50% · 4.625%
HK$30,589
+HK$1,755/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,668/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,185
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,995
−HK$821/mo
Today · 4.125%
HK$31,816
baseline
▲ 0.50% · 4.625%
HK$33,493
+HK$1,677/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,632/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,655
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,640
−HK$1,000/mo
Today · 4.125%
HK$33,640
baseline
▲ 0.50% · 4.625%
HK$35,687
+HK$2,047/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,280/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,216
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,160
−HK$958/mo
Today · 4.125%
HK$37,118
baseline
▲ 0.50% · 4.625%
HK$39,075
+HK$1,957/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,236/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,699
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,965
−HK$1,286/mo
Today · 4.125%
HK$43,251
baseline
▲ 0.50% · 4.625%
HK$45,883
+HK$2,632/mo
Deposit HK$992K · loan HK$8.92M · min. income ≈ HK$86,502/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,277
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,492
−HK$1,232/mo
Today · 4.125%
HK$47,724
baseline
▲ 0.50% · 4.625%
HK$50,239
+HK$2,515/mo
Deposit HK$992K · loan HK$8.92M · min. income ≈ HK$95,448/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,586 · 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).