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$22,689
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,394
−HK$717/mo
Today · 4.125%
HK$24,111
baseline
▲ 0.50% · 4.625%
HK$25,578
+HK$1,467/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,222/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,241
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,918
−HK$686/mo
Today · 4.125%
HK$26,604
baseline
▲ 0.50% · 4.625%
HK$28,007
+HK$1,403/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,208/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,226
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,073
−HK$861/mo
Today · 4.125%
HK$28,934
baseline
▲ 0.50% · 4.625%
HK$30,694
+HK$1,760/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,868/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,289
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,101
−HK$824/mo
Today · 4.125%
HK$31,925
baseline
▲ 0.50% · 4.625%
HK$33,608
+HK$1,683/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,850/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,764
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,752
−HK$1,004/mo
Today · 4.125%
HK$33,756
baseline
▲ 0.50% · 4.625%
HK$35,810
+HK$2,054/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,512/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,337
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,285
−HK$961/mo
Today · 4.125%
HK$37,246
baseline
▲ 0.50% · 4.625%
HK$39,210
+HK$1,964/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,492/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,839
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,110
−HK$1,290/mo
Today · 4.125%
HK$43,400
baseline
▲ 0.50% · 4.625%
HK$46,041
+HK$2,641/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$86,800/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,433
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,652
−HK$1,236/mo
Today · 4.125%
HK$47,888
baseline
▲ 0.50% · 4.625%
HK$50,412
+HK$2,524/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$95,776/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,999 · 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).