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$22,692
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,398
−HK$717/mo
Today · 4.125%
HK$24,115
baseline
▲ 0.50% · 4.625%
HK$25,583
+HK$1,468/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,230/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,245
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,922
−HK$687/mo
Today · 4.125%
HK$26,609
baseline
▲ 0.50% · 4.625%
HK$28,011
+HK$1,402/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,218/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,231
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,078
−HK$860/mo
Today · 4.125%
HK$28,938
baseline
▲ 0.50% · 4.625%
HK$30,699
+HK$1,761/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,876/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,294
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,106
−HK$825/mo
Today · 4.125%
HK$31,931
baseline
▲ 0.50% · 4.625%
HK$33,614
+HK$1,683/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,862/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,769
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,757
−HK$1,004/mo
Today · 4.125%
HK$33,761
baseline
▲ 0.50% · 4.625%
HK$35,816
+HK$2,055/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,522/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,343
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,291
−HK$961/mo
Today · 4.125%
HK$37,252
baseline
▲ 0.50% · 4.625%
HK$39,216
+HK$1,964/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,504/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,846
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,117
−HK$1,291/mo
Today · 4.125%
HK$43,408
baseline
▲ 0.50% · 4.625%
HK$46,049
+HK$2,641/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$86,816/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,441
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,660
−HK$1,236/mo
Today · 4.125%
HK$47,896
baseline
▲ 0.50% · 4.625%
HK$50,421
+HK$2,525/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$95,792/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,165 · 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).