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$22,620
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,323
−HK$715/mo
Today · 4.125%
HK$24,038
baseline
▲ 0.50% · 4.625%
HK$25,501
+HK$1,463/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,076/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,164
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,839
−HK$685/mo
Today · 4.125%
HK$26,524
baseline
▲ 0.50% · 4.625%
HK$27,922
+HK$1,398/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,048/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,144
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,988
−HK$858/mo
Today · 4.125%
HK$28,846
baseline
▲ 0.50% · 4.625%
HK$30,601
+HK$1,755/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,692/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,197
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,007
−HK$821/mo
Today · 4.125%
HK$31,828
baseline
▲ 0.50% · 4.625%
HK$33,506
+HK$1,678/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,656/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,668
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,653
−HK$1,000/mo
Today · 4.125%
HK$33,653
baseline
▲ 0.50% · 4.625%
HK$35,701
+HK$2,048/mo
Deposit HK$2.98M · loan HK$6.94M · min. income ≈ HK$67,306/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,230
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,175
−HK$958/mo
Today · 4.125%
HK$37,133
baseline
▲ 0.50% · 4.625%
HK$39,091
+HK$1,958/mo
Deposit HK$2.98M · loan HK$6.94M · min. income ≈ HK$74,266/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,715
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,982
−HK$1,287/mo
Today · 4.125%
HK$43,269
baseline
▲ 0.50% · 4.625%
HK$45,901
+HK$2,632/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,538/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,296
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,510
−HK$1,233/mo
Today · 4.125%
HK$47,743
baseline
▲ 0.50% · 4.625%
HK$50,259
+HK$2,516/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,486/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,981 · 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).