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$22,703
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,409
−HK$717/mo
Today · 4.125%
HK$24,126
baseline
▲ 0.50% · 4.625%
HK$25,594
+HK$1,468/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,252/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,257
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,934
−HK$687/mo
Today · 4.125%
HK$26,621
baseline
▲ 0.50% · 4.625%
HK$28,024
+HK$1,403/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,242/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,243
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,091
−HK$861/mo
Today · 4.125%
HK$28,952
baseline
▲ 0.50% · 4.625%
HK$30,713
+HK$1,761/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,904/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,308
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,121
−HK$824/mo
Today · 4.125%
HK$31,945
baseline
▲ 0.50% · 4.625%
HK$33,629
+HK$1,684/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,890/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,784
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,773
−HK$1,004/mo
Today · 4.125%
HK$33,777
baseline
▲ 0.50% · 4.625%
HK$35,832
+HK$2,055/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,554/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,359
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,308
−HK$962/mo
Today · 4.125%
HK$37,270
baseline
▲ 0.50% · 4.625%
HK$39,234
+HK$1,964/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,540/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,865
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,136
−HK$1,292/mo
Today · 4.125%
HK$43,428
baseline
▲ 0.50% · 4.625%
HK$46,070
+HK$2,642/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$86,856/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,462
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,681
−HK$1,237/mo
Today · 4.125%
HK$47,918
baseline
▲ 0.50% · 4.625%
HK$50,444
+HK$2,526/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$95,836/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,623 · 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).