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$22,733
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,440
−HK$718/mo
Today · 4.125%
HK$24,158
baseline
▲ 0.50% · 4.625%
HK$25,628
+HK$1,470/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,316/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,290
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,968
−HK$688/mo
Today · 4.125%
HK$26,656
baseline
▲ 0.50% · 4.625%
HK$28,061
+HK$1,405/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,312/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,279
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,128
−HK$862/mo
Today · 4.125%
HK$28,990
baseline
▲ 0.50% · 4.625%
HK$30,754
+HK$1,764/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,980/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,348
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,162
−HK$825/mo
Today · 4.125%
HK$31,987
baseline
▲ 0.50% · 4.625%
HK$33,674
+HK$1,687/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,974/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,826
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,816
−HK$1,005/mo
Today · 4.125%
HK$33,821
baseline
▲ 0.50% · 4.625%
HK$35,879
+HK$2,058/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,642/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,406
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,355
−HK$964/mo
Today · 4.125%
HK$37,319
baseline
▲ 0.50% · 4.625%
HK$39,286
+HK$1,967/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,638/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,919
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,192
−HK$1,293/mo
Today · 4.125%
HK$43,485
baseline
▲ 0.50% · 4.625%
HK$46,131
+HK$2,646/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$86,970/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,522
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,743
−HK$1,238/mo
Today · 4.125%
HK$47,981
baseline
▲ 0.50% · 4.625%
HK$50,510
+HK$2,529/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$95,962/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,935 · 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).