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$22,651
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,356
−HK$715/mo
Today · 4.125%
HK$24,071
baseline
▲ 0.50% · 4.625%
HK$25,536
+HK$1,465/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,142/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,199
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,875
−HK$685/mo
Today · 4.125%
HK$26,560
baseline
▲ 0.50% · 4.625%
HK$27,960
+HK$1,400/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,120/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,181
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,027
−HK$859/mo
Today · 4.125%
HK$28,886
baseline
▲ 0.50% · 4.625%
HK$30,643
+HK$1,757/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,772/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,239
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,050
−HK$822/mo
Today · 4.125%
HK$31,872
baseline
▲ 0.50% · 4.625%
HK$33,553
+HK$1,681/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,744/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,711
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,698
−HK$1,002/mo
Today · 4.125%
HK$33,700
baseline
▲ 0.50% · 4.625%
HK$35,751
+HK$2,051/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,400/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,279
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,225
−HK$960/mo
Today · 4.125%
HK$37,185
baseline
▲ 0.50% · 4.625%
HK$39,145
+HK$1,960/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,370/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,772
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,040
−HK$1,288/mo
Today · 4.125%
HK$43,328
baseline
▲ 0.50% · 4.625%
HK$45,965
+HK$2,637/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$86,656/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,358
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,575
−HK$1,234/mo
Today · 4.125%
HK$47,809
baseline
▲ 0.50% · 4.625%
HK$50,329
+HK$2,520/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$95,618/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,352 · 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).