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$22,704
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,410
−HK$717/mo
Today · 4.125%
HK$24,127
baseline
▲ 0.50% · 4.625%
HK$25,596
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,254/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,258
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,935
−HK$687/mo
Today · 4.125%
HK$26,622
baseline
▲ 0.50% · 4.625%
HK$28,026
+HK$1,404/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,244/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,245
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,092
−HK$861/mo
Today · 4.125%
HK$28,953
baseline
▲ 0.50% · 4.625%
HK$30,715
+HK$1,762/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,906/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,309
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,122
−HK$825/mo
Today · 4.125%
HK$31,947
baseline
▲ 0.50% · 4.625%
HK$33,631
+HK$1,684/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,894/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,785
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,774
−HK$1,004/mo
Today · 4.125%
HK$33,778
baseline
▲ 0.50% · 4.625%
HK$35,834
+HK$2,056/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,556/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,361
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,309
−HK$962/mo
Today · 4.125%
HK$37,271
baseline
▲ 0.50% · 4.625%
HK$39,236
+HK$1,965/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,542/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,867
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,138
−HK$1,291/mo
Today · 4.125%
HK$43,429
baseline
▲ 0.50% · 4.625%
HK$46,072
+HK$2,643/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$86,858/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,464
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,683
−HK$1,237/mo
Today · 4.125%
HK$47,920
baseline
▲ 0.50% · 4.625%
HK$50,446
+HK$2,526/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$95,840/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,668 · 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).