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$22,610
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,313
−HK$715/mo
Today · 4.125%
HK$24,028
baseline
▲ 0.50% · 4.625%
HK$25,490
+HK$1,462/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,056/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,153
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,828
−HK$684/mo
Today · 4.125%
HK$26,512
baseline
▲ 0.50% · 4.625%
HK$27,910
+HK$1,398/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,024/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,132
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,976
−HK$857/mo
Today · 4.125%
HK$28,833
baseline
▲ 0.50% · 4.625%
HK$30,588
+HK$1,755/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,666/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,184
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,993
−HK$822/mo
Today · 4.125%
HK$31,815
baseline
▲ 0.50% · 4.625%
HK$33,492
+HK$1,677/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,630/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,654
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,638
−HK$1,001/mo
Today · 4.125%
HK$33,639
baseline
▲ 0.50% · 4.625%
HK$35,686
+HK$2,047/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,278/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,215
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,159
−HK$958/mo
Today · 4.125%
HK$37,117
baseline
▲ 0.50% · 4.625%
HK$39,074
+HK$1,957/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,234/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,698
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,964
−HK$1,286/mo
Today · 4.125%
HK$43,250
baseline
▲ 0.50% · 4.625%
HK$45,882
+HK$2,632/mo
Deposit HK$992K · loan HK$8.92M · min. income ≈ HK$86,500/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,276
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,490
−HK$1,232/mo
Today · 4.125%
HK$47,722
baseline
▲ 0.50% · 4.625%
HK$50,238
+HK$2,516/mo
Deposit HK$992K · loan HK$8.92M · min. income ≈ HK$95,444/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,551 · 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).