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$22,719
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,426
−HK$718/mo
Today · 4.125%
HK$24,144
baseline
▲ 0.50% · 4.625%
HK$25,613
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,288/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,275
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,953
−HK$687/mo
Today · 4.125%
HK$26,640
baseline
▲ 0.50% · 4.625%
HK$28,045
+HK$1,405/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,280/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,263
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,111
−HK$862/mo
Today · 4.125%
HK$28,973
baseline
▲ 0.50% · 4.625%
HK$30,736
+HK$1,763/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,946/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,330
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,143
−HK$826/mo
Today · 4.125%
HK$31,969
baseline
▲ 0.50% · 4.625%
HK$33,654
+HK$1,685/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,938/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,807
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,796
−HK$1,006/mo
Today · 4.125%
HK$33,802
baseline
▲ 0.50% · 4.625%
HK$35,858
+HK$2,056/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,604/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,385
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,334
−HK$963/mo
Today · 4.125%
HK$37,297
baseline
▲ 0.50% · 4.625%
HK$39,263
+HK$1,966/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,594/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,895
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,167
−HK$1,292/mo
Today · 4.125%
HK$43,459
baseline
▲ 0.50% · 4.625%
HK$46,103
+HK$2,644/mo
Deposit HK$996K · loan HK$8.97M · min. income ≈ HK$86,918/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,495
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,715
−HK$1,238/mo
Today · 4.125%
HK$47,953
baseline
▲ 0.50% · 4.625%
HK$50,480
+HK$2,527/mo
Deposit HK$996K · loan HK$8.97M · min. income ≈ HK$95,906/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,346 · 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).