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$22,700
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,406
−HK$717/mo
Today · 4.125%
HK$24,123
baseline
▲ 0.50% · 4.625%
HK$25,591
+HK$1,468/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,246/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,253
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,930
−HK$687/mo
Today · 4.125%
HK$26,617
baseline
▲ 0.50% · 4.625%
HK$28,020
+HK$1,403/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,234/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,239
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,087
−HK$861/mo
Today · 4.125%
HK$28,948
baseline
▲ 0.50% · 4.625%
HK$30,709
+HK$1,761/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,896/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,304
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,116
−HK$825/mo
Today · 4.125%
HK$31,941
baseline
▲ 0.50% · 4.625%
HK$33,625
+HK$1,684/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,882/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,779
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,768
−HK$1,004/mo
Today · 4.125%
HK$33,772
baseline
▲ 0.50% · 4.625%
HK$35,827
+HK$2,055/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,544/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,354
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,302
−HK$962/mo
Today · 4.125%
HK$37,264
baseline
▲ 0.50% · 4.625%
HK$39,229
+HK$1,965/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,528/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,859
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,130
−HK$1,291/mo
Today · 4.125%
HK$43,421
baseline
▲ 0.50% · 4.625%
HK$46,064
+HK$2,643/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$86,842/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,455
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,675
−HK$1,236/mo
Today · 4.125%
HK$47,911
baseline
▲ 0.50% · 4.625%
HK$50,437
+HK$2,526/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$95,822/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,484 · 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).