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$22,605
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,308
−HK$714/mo
Today · 4.125%
HK$24,022
baseline
▲ 0.50% · 4.625%
HK$25,484
+HK$1,462/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,044/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,148
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,822
−HK$684/mo
Today · 4.125%
HK$26,506
baseline
▲ 0.50% · 4.625%
HK$27,903
+HK$1,397/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,012/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,126
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,970
−HK$857/mo
Today · 4.125%
HK$28,827
baseline
▲ 0.50% · 4.625%
HK$30,581
+HK$1,754/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,654/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,177
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,986
−HK$822/mo
Today · 4.125%
HK$31,808
baseline
▲ 0.50% · 4.625%
HK$33,484
+HK$1,676/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,616/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,647
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,631
−HK$1,000/mo
Today · 4.125%
HK$33,631
baseline
▲ 0.50% · 4.625%
HK$35,678
+HK$2,047/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,262/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,207
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,151
−HK$958/mo
Today · 4.125%
HK$37,109
baseline
▲ 0.50% · 4.625%
HK$39,065
+HK$1,956/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,218/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,689
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,954
−HK$1,286/mo
Today · 4.125%
HK$43,240
baseline
▲ 0.50% · 4.625%
HK$45,871
+HK$2,631/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$86,480/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,266
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,480
−HK$1,231/mo
Today · 4.125%
HK$47,711
baseline
▲ 0.50% · 4.625%
HK$50,226
+HK$2,515/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$95,422/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,328 · 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).