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$22,651
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,355
−HK$716/mo
Today · 4.125%
HK$24,071
baseline
▲ 0.50% · 4.625%
HK$25,536
+HK$1,465/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,142/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,199
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,874
−HK$686/mo
Today · 4.125%
HK$26,560
baseline
▲ 0.50% · 4.625%
HK$27,960
+HK$1,400/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,120/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,181
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,026
−HK$859/mo
Today · 4.125%
HK$28,885
baseline
▲ 0.50% · 4.625%
HK$30,643
+HK$1,758/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,770/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,238
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,049
−HK$823/mo
Today · 4.125%
HK$31,872
baseline
▲ 0.50% · 4.625%
HK$33,552
+HK$1,680/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,744/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,711
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,697
−HK$1,002/mo
Today · 4.125%
HK$33,699
baseline
▲ 0.50% · 4.625%
HK$35,750
+HK$2,051/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,398/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,278
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,224
−HK$960/mo
Today · 4.125%
HK$37,184
baseline
▲ 0.50% · 4.625%
HK$39,144
+HK$1,960/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,368/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,771
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,039
−HK$1,289/mo
Today · 4.125%
HK$43,328
baseline
▲ 0.50% · 4.625%
HK$45,964
+HK$2,636/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$86,656/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,358
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,574
−HK$1,234/mo
Today · 4.125%
HK$47,808
baseline
▲ 0.50% · 4.625%
HK$50,328
+HK$2,520/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$95,616/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,339 · 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).