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$22,711
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,418
−HK$717/mo
Today · 4.125%
HK$24,135
baseline
▲ 0.50% · 4.625%
HK$25,604
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,270/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$365,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,266
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,944
−HK$687/mo
Today · 4.125%
HK$26,631
baseline
▲ 0.50% · 4.625%
HK$28,035
+HK$1,404/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,262/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$365,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,253
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,101
−HK$861/mo
Today · 4.125%
HK$28,962
baseline
▲ 0.50% · 4.625%
HK$30,725
+HK$1,763/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$57,924/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,319
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,132
−HK$825/mo
Today · 4.125%
HK$31,957
baseline
▲ 0.50% · 4.625%
HK$33,642
+HK$1,685/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$63,914/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,796
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,785
−HK$1,005/mo
Today · 4.125%
HK$33,790
baseline
▲ 0.50% · 4.625%
HK$35,846
+HK$2,056/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,580/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,372
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,321
−HK$962/mo
Today · 4.125%
HK$37,283
baseline
▲ 0.50% · 4.625%
HK$39,249
+HK$1,966/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,566/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,880
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,152
−HK$1,292/mo
Today · 4.125%
HK$43,444
baseline
▲ 0.50% · 4.625%
HK$46,087
+HK$2,643/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$86,888/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,479
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,699
−HK$1,237/mo
Today · 4.125%
HK$47,936
baseline
▲ 0.50% · 4.625%
HK$50,463
+HK$2,527/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$95,872/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,994 · 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).