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$22,695
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,401
−HK$717/mo
Today · 4.125%
HK$24,118
baseline
▲ 0.50% · 4.625%
HK$25,586
+HK$1,468/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,236/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,248
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,925
−HK$687/mo
Today · 4.125%
HK$26,612
baseline
▲ 0.50% · 4.625%
HK$28,015
+HK$1,403/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,224/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,234
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,081
−HK$861/mo
Today · 4.125%
HK$28,942
baseline
▲ 0.50% · 4.625%
HK$30,703
+HK$1,761/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,884/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,298
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,110
−HK$824/mo
Today · 4.125%
HK$31,934
baseline
▲ 0.50% · 4.625%
HK$33,618
+HK$1,684/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,868/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,773
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,761
−HK$1,004/mo
Today · 4.125%
HK$33,765
baseline
▲ 0.50% · 4.625%
HK$35,820
+HK$2,055/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,530/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,347
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,295
−HK$962/mo
Today · 4.125%
HK$37,257
baseline
▲ 0.50% · 4.625%
HK$39,221
+HK$1,964/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,514/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,851
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,122
−HK$1,291/mo
Today · 4.125%
HK$43,413
baseline
▲ 0.50% · 4.625%
HK$46,054
+HK$2,641/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$86,826/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,446
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,665
−HK$1,237/mo
Today · 4.125%
HK$47,902
baseline
▲ 0.50% · 4.625%
HK$50,427
+HK$2,525/mo
Deposit HK$995K · loan HK$8.96M · min. income ≈ HK$95,804/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,282 · 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).