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$22,604
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,307
−HK$714/mo
Today · 4.125%
HK$24,021
baseline
▲ 0.50% · 4.625%
HK$25,483
+HK$1,462/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,042/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,146
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,821
−HK$684/mo
Today · 4.125%
HK$26,505
baseline
▲ 0.50% · 4.625%
HK$27,902
+HK$1,397/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,010/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,124
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,968
−HK$857/mo
Today · 4.125%
HK$28,825
baseline
▲ 0.50% · 4.625%
HK$30,579
+HK$1,754/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,650/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,175
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,985
−HK$821/mo
Today · 4.125%
HK$31,806
baseline
▲ 0.50% · 4.625%
HK$33,482
+HK$1,676/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,612/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,645
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,629
−HK$1,000/mo
Today · 4.125%
HK$33,629
baseline
▲ 0.50% · 4.625%
HK$35,676
+HK$2,047/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,258/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,205
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,149
−HK$958/mo
Today · 4.125%
HK$37,107
baseline
▲ 0.50% · 4.625%
HK$39,063
+HK$1,956/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,214/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,686
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,952
−HK$1,286/mo
Today · 4.125%
HK$43,238
baseline
▲ 0.50% · 4.625%
HK$45,869
+HK$2,631/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$86,476/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,263
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,477
−HK$1,232/mo
Today · 4.125%
HK$47,709
baseline
▲ 0.50% · 4.625%
HK$50,223
+HK$2,514/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$95,418/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,271 · 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).