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$22,720
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,427
−HK$718/mo
Today · 4.125%
HK$24,145
baseline
▲ 0.50% · 4.625%
HK$25,614
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,290/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,276
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,954
−HK$687/mo
Today · 4.125%
HK$26,641
baseline
▲ 0.50% · 4.625%
HK$28,045
+HK$1,404/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,282/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,264
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,112
−HK$862/mo
Today · 4.125%
HK$28,974
baseline
▲ 0.50% · 4.625%
HK$30,737
+HK$1,763/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,948/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,331
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,144
−HK$825/mo
Today · 4.125%
HK$31,969
baseline
▲ 0.50% · 4.625%
HK$33,655
+HK$1,686/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,938/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,808
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,797
−HK$1,005/mo
Today · 4.125%
HK$33,802
baseline
▲ 0.50% · 4.625%
HK$35,859
+HK$2,057/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,604/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,386
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,335
−HK$963/mo
Today · 4.125%
HK$37,298
baseline
▲ 0.50% · 4.625%
HK$39,264
+HK$1,966/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,596/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,896
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,168
−HK$1,292/mo
Today · 4.125%
HK$43,460
baseline
▲ 0.50% · 4.625%
HK$46,105
+HK$2,645/mo
Deposit HK$996K · loan HK$8.97M · min. income ≈ HK$86,920/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,496
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,716
−HK$1,238/mo
Today · 4.125%
HK$47,954
baseline
▲ 0.50% · 4.625%
HK$50,482
+HK$2,528/mo
Deposit HK$996K · loan HK$8.97M · min. income ≈ HK$95,908/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,374 · 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).