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$22,680
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,385
−HK$717/mo
Today · 4.125%
HK$24,102
baseline
▲ 0.50% · 4.625%
HK$25,569
+HK$1,467/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,204/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,231
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,908
−HK$686/mo
Today · 4.125%
HK$26,594
baseline
▲ 0.50% · 4.625%
HK$27,996
+HK$1,402/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,188/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,216
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,062
−HK$861/mo
Today · 4.125%
HK$28,923
baseline
▲ 0.50% · 4.625%
HK$30,682
+HK$1,759/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,846/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,277
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,089
−HK$824/mo
Today · 4.125%
HK$31,913
baseline
▲ 0.50% · 4.625%
HK$33,595
+HK$1,682/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,826/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,752
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,740
−HK$1,003/mo
Today · 4.125%
HK$33,743
baseline
▲ 0.50% · 4.625%
HK$35,796
+HK$2,053/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,486/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,324
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,271
−HK$961/mo
Today · 4.125%
HK$37,232
baseline
▲ 0.50% · 4.625%
HK$39,195
+HK$1,963/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,464/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,824
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,094
−HK$1,290/mo
Today · 4.125%
HK$43,384
baseline
▲ 0.50% · 4.625%
HK$46,024
+HK$2,640/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$86,768/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,416
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,634
−HK$1,236/mo
Today · 4.125%
HK$47,870
baseline
▲ 0.50% · 4.625%
HK$50,393
+HK$2,523/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$95,740/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,621 · 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).