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$22,627
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,330
−HK$716/mo
Today · 4.125%
HK$24,046
baseline
▲ 0.50% · 4.625%
HK$25,509
+HK$1,463/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,092/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,172
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,847
−HK$685/mo
Today · 4.125%
HK$26,532
baseline
▲ 0.50% · 4.625%
HK$27,930
+HK$1,398/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,064/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,152
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$27,997
−HK$858/mo
Today · 4.125%
HK$28,855
baseline
▲ 0.50% · 4.625%
HK$30,610
+HK$1,755/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,710/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,206
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,016
−HK$822/mo
Today · 4.125%
HK$31,838
baseline
▲ 0.50% · 4.625%
HK$33,516
+HK$1,678/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,676/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,677
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,663
−HK$1,001/mo
Today · 4.125%
HK$33,664
baseline
▲ 0.50% · 4.625%
HK$35,712
+HK$2,048/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,328/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,241
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,186
−HK$959/mo
Today · 4.125%
HK$37,145
baseline
▲ 0.50% · 4.625%
HK$39,103
+HK$1,958/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,290/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,728
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,995
−HK$1,287/mo
Today · 4.125%
HK$43,282
baseline
▲ 0.50% · 4.625%
HK$45,916
+HK$2,634/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,564/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,309
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,525
−HK$1,232/mo
Today · 4.125%
HK$47,757
baseline
▲ 0.50% · 4.625%
HK$50,275
+HK$2,518/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,514/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,285 · 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).