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$22,607
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,310
−HK$714/mo
Today · 4.125%
HK$24,024
baseline
▲ 0.50% · 4.625%
HK$25,486
+HK$1,462/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,048/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,150
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,824
−HK$684/mo
Today · 4.125%
HK$26,508
baseline
▲ 0.50% · 4.625%
HK$27,906
+HK$1,398/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,016/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,128
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,972
−HK$857/mo
Today · 4.125%
HK$28,829
baseline
▲ 0.50% · 4.625%
HK$30,583
+HK$1,754/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,658/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,179
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,989
−HK$821/mo
Today · 4.125%
HK$31,810
baseline
▲ 0.50% · 4.625%
HK$33,487
+HK$1,677/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,620/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,649
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,634
−HK$1,000/mo
Today · 4.125%
HK$33,634
baseline
▲ 0.50% · 4.625%
HK$35,680
+HK$2,046/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,268/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,209
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,154
−HK$958/mo
Today · 4.125%
HK$37,112
baseline
▲ 0.50% · 4.625%
HK$39,068
+HK$1,956/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,224/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,692
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,958
−HK$1,286/mo
Today · 4.125%
HK$43,244
baseline
▲ 0.50% · 4.625%
HK$45,875
+HK$2,631/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$86,488/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,269
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,483
−HK$1,232/mo
Today · 4.125%
HK$47,715
baseline
▲ 0.50% · 4.625%
HK$50,230
+HK$2,515/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$95,430/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,404 · 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).