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$22,628
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,332
−HK$715/mo
Today · 4.125%
HK$24,047
baseline
▲ 0.50% · 4.625%
HK$25,511
+HK$1,464/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,094/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,174
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,849
−HK$685/mo
Today · 4.125%
HK$26,534
baseline
▲ 0.50% · 4.625%
HK$27,933
+HK$1,399/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,068/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,154
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$27,999
−HK$858/mo
Today · 4.125%
HK$28,857
baseline
▲ 0.50% · 4.625%
HK$30,613
+HK$1,756/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,714/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,209
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,019
−HK$822/mo
Today · 4.125%
HK$31,841
baseline
▲ 0.50% · 4.625%
HK$33,519
+HK$1,678/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,682/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,680
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,665
−HK$1,001/mo
Today · 4.125%
HK$33,666
baseline
▲ 0.50% · 4.625%
HK$35,715
+HK$2,049/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,332/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,243
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,189
−HK$958/mo
Today · 4.125%
HK$37,147
baseline
▲ 0.50% · 4.625%
HK$39,106
+HK$1,959/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,294/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,731
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,998
−HK$1,287/mo
Today · 4.125%
HK$43,285
baseline
▲ 0.50% · 4.625%
HK$45,919
+HK$2,634/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,570/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,313
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,528
−HK$1,233/mo
Today · 4.125%
HK$47,761
baseline
▲ 0.50% · 4.625%
HK$50,279
+HK$2,518/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,522/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,362 · 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).