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$22,666
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,371
−HK$716/mo
Today · 4.125%
HK$24,087
baseline
▲ 0.50% · 4.625%
HK$25,553
+HK$1,466/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,174/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$364,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,216
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,892
−HK$686/mo
Today · 4.125%
HK$26,578
baseline
▲ 0.50% · 4.625%
HK$27,979
+HK$1,401/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,156/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$364,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,199
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,045
−HK$860/mo
Today · 4.125%
HK$28,905
baseline
▲ 0.50% · 4.625%
HK$30,664
+HK$1,759/mo
Deposit HK$3.98M · loan HK$5.96M · min. income ≈ HK$57,810/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,259
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,070
−HK$824/mo
Today · 4.125%
HK$31,894
baseline
▲ 0.50% · 4.625%
HK$33,575
+HK$1,681/mo
Deposit HK$3.98M · loan HK$5.96M · min. income ≈ HK$63,788/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,732
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,719
−HK$1,003/mo
Today · 4.125%
HK$33,722
baseline
▲ 0.50% · 4.625%
HK$35,774
+HK$2,052/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,444/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,302
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,249
−HK$960/mo
Today · 4.125%
HK$37,209
baseline
▲ 0.50% · 4.625%
HK$39,171
+HK$1,962/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,418/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,799
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,068
−HK$1,289/mo
Today · 4.125%
HK$43,357
baseline
▲ 0.50% · 4.625%
HK$45,995
+HK$2,638/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$86,714/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,388
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,606
−HK$1,234/mo
Today · 4.125%
HK$47,840
baseline
▲ 0.50% · 4.625%
HK$50,362
+HK$2,522/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$95,680/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,011 · 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).