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$22,665
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,370
−HK$716/mo
Today · 4.125%
HK$24,086
baseline
▲ 0.50% · 4.625%
HK$25,552
+HK$1,466/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,172/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,215
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,891
−HK$686/mo
Today · 4.125%
HK$26,577
baseline
▲ 0.50% · 4.625%
HK$27,978
+HK$1,401/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,154/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,198
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,044
−HK$860/mo
Today · 4.125%
HK$28,904
baseline
▲ 0.50% · 4.625%
HK$30,662
+HK$1,758/mo
Deposit HK$3.98M · loan HK$5.96M · min. income ≈ HK$57,808/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,257
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,069
−HK$823/mo
Today · 4.125%
HK$31,892
baseline
▲ 0.50% · 4.625%
HK$33,573
+HK$1,681/mo
Deposit HK$3.98M · loan HK$5.96M · min. income ≈ HK$63,784/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,731
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,718
−HK$1,003/mo
Today · 4.125%
HK$33,721
baseline
▲ 0.50% · 4.625%
HK$35,773
+HK$2,052/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,442/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$363,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,300
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,247
−HK$961/mo
Today · 4.125%
HK$37,208
baseline
▲ 0.50% · 4.625%
HK$39,169
+HK$1,961/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,416/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$363,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,797
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,066
−HK$1,289/mo
Today · 4.125%
HK$43,355
baseline
▲ 0.50% · 4.625%
HK$45,993
+HK$2,638/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$86,710/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,386
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,603
−HK$1,235/mo
Today · 4.125%
HK$47,838
baseline
▲ 0.50% · 4.625%
HK$50,360
+HK$2,522/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$95,676/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,967 · 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).