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$22,612
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,316
−HK$714/mo
Today · 4.125%
HK$24,030
baseline
▲ 0.50% · 4.625%
HK$25,493
+HK$1,463/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,060/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,156
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,831
−HK$684/mo
Today · 4.125%
HK$26,515
baseline
▲ 0.50% · 4.625%
HK$27,913
+HK$1,398/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,030/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,135
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,979
−HK$858/mo
Today · 4.125%
HK$28,837
baseline
▲ 0.50% · 4.625%
HK$30,591
+HK$1,754/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,674/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,187
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,997
−HK$821/mo
Today · 4.125%
HK$31,818
baseline
▲ 0.50% · 4.625%
HK$33,495
+HK$1,677/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,636/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,657
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,642
−HK$1,001/mo
Today · 4.125%
HK$33,643
baseline
▲ 0.50% · 4.625%
HK$35,690
+HK$2,047/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,286/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,219
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,163
−HK$958/mo
Today · 4.125%
HK$37,121
baseline
▲ 0.50% · 4.625%
HK$39,078
+HK$1,957/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,242/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,702
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,968
−HK$1,287/mo
Today · 4.125%
HK$43,255
baseline
▲ 0.50% · 4.625%
HK$45,887
+HK$2,632/mo
Deposit HK$992K · loan HK$8.92M · min. income ≈ HK$86,510/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,281
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,495
−HK$1,232/mo
Today · 4.125%
HK$47,727
baseline
▲ 0.50% · 4.625%
HK$50,243
+HK$2,516/mo
Deposit HK$992K · loan HK$8.92M · min. income ≈ HK$95,454/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,662 · 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).