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$22,617
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,321
−HK$714/mo
Today · 4.125%
HK$24,035
baseline
▲ 0.50% · 4.625%
HK$25,498
+HK$1,463/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,070/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,161
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,836
−HK$685/mo
Today · 4.125%
HK$26,521
baseline
▲ 0.50% · 4.625%
HK$27,919
+HK$1,398/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,042/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,141
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,985
−HK$857/mo
Today · 4.125%
HK$28,842
baseline
▲ 0.50% · 4.625%
HK$30,597
+HK$1,755/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,684/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,194
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,003
−HK$822/mo
Today · 4.125%
HK$31,825
baseline
▲ 0.50% · 4.625%
HK$33,502
+HK$1,677/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,650/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,664
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,649
−HK$1,001/mo
Today · 4.125%
HK$33,650
baseline
▲ 0.50% · 4.625%
HK$35,697
+HK$2,047/mo
Deposit HK$2.98M · loan HK$6.94M · min. income ≈ HK$67,300/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,226
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,171
−HK$958/mo
Today · 4.125%
HK$37,129
baseline
▲ 0.50% · 4.625%
HK$39,086
+HK$1,957/mo
Deposit HK$2.98M · loan HK$6.94M · min. income ≈ HK$74,258/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,711
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,977
−HK$1,287/mo
Today · 4.125%
HK$43,264
baseline
▲ 0.50% · 4.625%
HK$45,896
+HK$2,632/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,528/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,290
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,505
−HK$1,232/mo
Today · 4.125%
HK$47,737
baseline
▲ 0.50% · 4.625%
HK$50,254
+HK$2,517/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,474/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,867 · 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).