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$22,707
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,413
−HK$717/mo
Today · 4.125%
HK$24,130
baseline
▲ 0.50% · 4.625%
HK$25,599
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,260/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,261
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,938
−HK$688/mo
Today · 4.125%
HK$26,626
baseline
▲ 0.50% · 4.625%
HK$28,029
+HK$1,403/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,252/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,248
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,095
−HK$861/mo
Today · 4.125%
HK$28,956
baseline
▲ 0.50% · 4.625%
HK$30,718
+HK$1,762/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,912/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,313
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,126
−HK$825/mo
Today · 4.125%
HK$31,951
baseline
▲ 0.50% · 4.625%
HK$33,635
+HK$1,684/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,902/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,789
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,778
−HK$1,005/mo
Today · 4.125%
HK$33,783
baseline
▲ 0.50% · 4.625%
HK$35,838
+HK$2,055/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,566/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,365
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,314
−HK$962/mo
Today · 4.125%
HK$37,276
baseline
▲ 0.50% · 4.625%
HK$39,241
+HK$1,965/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,552/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,872
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,143
−HK$1,292/mo
Today · 4.125%
HK$43,435
baseline
▲ 0.50% · 4.625%
HK$46,078
+HK$2,643/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$86,870/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,469
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,689
−HK$1,237/mo
Today · 4.125%
HK$47,926
baseline
▲ 0.50% · 4.625%
HK$50,452
+HK$2,526/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$95,852/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,788 · 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).