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$22,663
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,368
−HK$716/mo
Today · 4.125%
HK$24,084
baseline
▲ 0.50% · 4.625%
HK$25,550
+HK$1,466/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,168/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,213
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,889
−HK$686/mo
Today · 4.125%
HK$26,575
baseline
▲ 0.50% · 4.625%
HK$27,976
+HK$1,401/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,150/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,196
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,042
−HK$859/mo
Today · 4.125%
HK$28,901
baseline
▲ 0.50% · 4.625%
HK$30,660
+HK$1,759/mo
Deposit HK$3.98M · loan HK$5.96M · min. income ≈ HK$57,802/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,255
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,067
−HK$823/mo
Today · 4.125%
HK$31,890
baseline
▲ 0.50% · 4.625%
HK$33,571
+HK$1,681/mo
Deposit HK$3.98M · loan HK$5.96M · min. income ≈ HK$63,780/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,728
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,715
−HK$1,003/mo
Today · 4.125%
HK$33,718
baseline
▲ 0.50% · 4.625%
HK$35,770
+HK$2,052/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,436/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$363,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,298
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,244
−HK$961/mo
Today · 4.125%
HK$37,205
baseline
▲ 0.50% · 4.625%
HK$39,166
+HK$1,961/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,410/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$363,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,794
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,063
−HK$1,289/mo
Today · 4.125%
HK$43,352
baseline
▲ 0.50% · 4.625%
HK$45,990
+HK$2,638/mo
Deposit HK$994K · loan HK$8.94M · min. income ≈ HK$86,704/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,383
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,600
−HK$1,234/mo
Today · 4.125%
HK$47,834
baseline
▲ 0.50% · 4.625%
HK$50,356
+HK$2,522/mo
Deposit HK$994K · loan HK$8.94M · min. income ≈ HK$95,668/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,888 · 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).