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$22,684
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,389
−HK$717/mo
Today · 4.125%
HK$24,106
baseline
▲ 0.50% · 4.625%
HK$25,573
+HK$1,467/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,212/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,235
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,912
−HK$687/mo
Today · 4.125%
HK$26,599
baseline
▲ 0.50% · 4.625%
HK$28,001
+HK$1,402/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,198/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,221
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,067
−HK$861/mo
Today · 4.125%
HK$28,928
baseline
▲ 0.50% · 4.625%
HK$30,688
+HK$1,760/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,856/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,283
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,095
−HK$824/mo
Today · 4.125%
HK$31,919
baseline
▲ 0.50% · 4.625%
HK$33,601
+HK$1,682/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,838/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,757
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,745
−HK$1,004/mo
Today · 4.125%
HK$33,749
baseline
▲ 0.50% · 4.625%
HK$35,802
+HK$2,053/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,498/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,330
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,277
−HK$961/mo
Today · 4.125%
HK$37,238
baseline
▲ 0.50% · 4.625%
HK$39,201
+HK$1,963/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,476/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,831
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,101
−HK$1,290/mo
Today · 4.125%
HK$43,391
baseline
▲ 0.50% · 4.625%
HK$46,032
+HK$2,641/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$86,782/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,424
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,642
−HK$1,236/mo
Today · 4.125%
HK$47,878
baseline
▲ 0.50% · 4.625%
HK$50,402
+HK$2,524/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$95,756/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,791 · 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).