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$23,315
−HK$714/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$361,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,155
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,830
−HK$684/mo
Today · 4.125%
HK$26,514
baseline
▲ 0.50% · 4.625%
HK$27,912
+HK$1,398/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,028/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,134
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,978
−HK$857/mo
Today · 4.125%
HK$28,835
baseline
▲ 0.50% · 4.625%
HK$30,590
+HK$1,755/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,670/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,186
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,996
−HK$821/mo
Today · 4.125%
HK$31,817
baseline
▲ 0.50% · 4.625%
HK$33,494
+HK$1,677/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,634/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,656
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,641
−HK$1,000/mo
Today · 4.125%
HK$33,641
baseline
▲ 0.50% · 4.625%
HK$35,688
+HK$2,047/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,282/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,217
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,161
−HK$959/mo
Today · 4.125%
HK$37,120
baseline
▲ 0.50% · 4.625%
HK$39,076
+HK$1,956/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,240/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,701
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,967
−HK$1,286/mo
Today · 4.125%
HK$43,253
baseline
▲ 0.50% · 4.625%
HK$45,885
+HK$2,632/mo
Deposit HK$992K · loan HK$8.92M · min. income ≈ HK$86,506/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,279
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,493
−HK$1,232/mo
Today · 4.125%
HK$47,725
baseline
▲ 0.50% · 4.625%
HK$50,241
+HK$2,516/mo
Deposit HK$992K · loan HK$8.92M · min. income ≈ HK$95,450/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,617 · 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).