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$22,708
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,415
−HK$717/mo
Today · 4.125%
HK$24,132
baseline
▲ 0.50% · 4.625%
HK$25,601
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,264/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$365,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,263
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,940
−HK$688/mo
Today · 4.125%
HK$26,628
baseline
▲ 0.50% · 4.625%
HK$28,031
+HK$1,403/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,256/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$365,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,250
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,098
−HK$861/mo
Today · 4.125%
HK$28,959
baseline
▲ 0.50% · 4.625%
HK$30,721
+HK$1,762/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$57,918/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,315
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,128
−HK$825/mo
Today · 4.125%
HK$31,953
baseline
▲ 0.50% · 4.625%
HK$33,638
+HK$1,685/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$63,906/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,792
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,781
−HK$1,004/mo
Today · 4.125%
HK$33,785
baseline
▲ 0.50% · 4.625%
HK$35,841
+HK$2,056/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,570/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,368
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,316
−HK$963/mo
Today · 4.125%
HK$37,279
baseline
▲ 0.50% · 4.625%
HK$39,244
+HK$1,965/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,558/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,875
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,146
−HK$1,292/mo
Today · 4.125%
HK$43,438
baseline
▲ 0.50% · 4.625%
HK$46,081
+HK$2,643/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$86,876/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,473
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,693
−HK$1,237/mo
Today · 4.125%
HK$47,930
baseline
▲ 0.50% · 4.625%
HK$50,456
+HK$2,526/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$95,860/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,869 · 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).