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$22,643
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,347
−HK$716/mo
Today · 4.125%
HK$24,063
baseline
▲ 0.50% · 4.625%
HK$25,527
+HK$1,464/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,126/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,190
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,866
−HK$685/mo
Today · 4.125%
HK$26,551
baseline
▲ 0.50% · 4.625%
HK$27,951
+HK$1,400/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,102/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,172
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,017
−HK$859/mo
Today · 4.125%
HK$28,876
baseline
▲ 0.50% · 4.625%
HK$30,633
+HK$1,757/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,752/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,228
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,039
−HK$822/mo
Today · 4.125%
HK$31,861
baseline
▲ 0.50% · 4.625%
HK$33,541
+HK$1,680/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,722/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,700
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,686
−HK$1,002/mo
Today · 4.125%
HK$33,688
baseline
▲ 0.50% · 4.625%
HK$35,738
+HK$2,050/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,376/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,266
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,212
−HK$960/mo
Today · 4.125%
HK$37,172
baseline
▲ 0.50% · 4.625%
HK$39,131
+HK$1,959/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,344/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,758
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,025
−HK$1,288/mo
Today · 4.125%
HK$43,313
baseline
▲ 0.50% · 4.625%
HK$45,949
+HK$2,636/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$86,626/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,342
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,558
−HK$1,234/mo
Today · 4.125%
HK$47,792
baseline
▲ 0.50% · 4.625%
HK$50,311
+HK$2,519/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$95,584/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,007 · 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).