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$22,630
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,334
−HK$715/mo
Today · 4.125%
HK$24,049
baseline
▲ 0.50% · 4.625%
HK$25,513
+HK$1,464/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,098/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,176
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,851
−HK$685/mo
Today · 4.125%
HK$26,536
baseline
▲ 0.50% · 4.625%
HK$27,935
+HK$1,399/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,072/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,156
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,001
−HK$858/mo
Today · 4.125%
HK$28,859
baseline
▲ 0.50% · 4.625%
HK$30,615
+HK$1,756/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,718/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,211
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,021
−HK$822/mo
Today · 4.125%
HK$31,843
baseline
▲ 0.50% · 4.625%
HK$33,522
+HK$1,679/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,686/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,682
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,668
−HK$1,001/mo
Today · 4.125%
HK$33,669
baseline
▲ 0.50% · 4.625%
HK$35,718
+HK$2,049/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,338/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,246
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,192
−HK$958/mo
Today · 4.125%
HK$37,150
baseline
▲ 0.50% · 4.625%
HK$39,109
+HK$1,959/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,300/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,734
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,001
−HK$1,288/mo
Today · 4.125%
HK$43,289
baseline
▲ 0.50% · 4.625%
HK$45,923
+HK$2,634/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,578/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,317
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,532
−HK$1,233/mo
Today · 4.125%
HK$47,765
baseline
▲ 0.50% · 4.625%
HK$50,283
+HK$2,518/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,530/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,441 · 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).