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$22,661
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,366
−HK$716/mo
Today · 4.125%
HK$24,082
baseline
▲ 0.50% · 4.625%
HK$25,548
+HK$1,466/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,164/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,210
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,886
−HK$686/mo
Today · 4.125%
HK$26,572
baseline
▲ 0.50% · 4.625%
HK$27,973
+HK$1,401/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,144/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,193
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,039
−HK$860/mo
Today · 4.125%
HK$28,899
baseline
▲ 0.50% · 4.625%
HK$30,657
+HK$1,758/mo
Deposit HK$3.98M · loan HK$5.96M · min. income ≈ HK$57,798/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,252
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,064
−HK$823/mo
Today · 4.125%
HK$31,887
baseline
▲ 0.50% · 4.625%
HK$33,568
+HK$1,681/mo
Deposit HK$3.98M · loan HK$5.96M · min. income ≈ HK$63,774/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,726
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,712
−HK$1,003/mo
Today · 4.125%
HK$33,715
baseline
▲ 0.50% · 4.625%
HK$35,767
+HK$2,052/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,430/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$363,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,294
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,241
−HK$960/mo
Today · 4.125%
HK$37,201
baseline
▲ 0.50% · 4.625%
HK$39,162
+HK$1,961/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,402/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$363,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,790
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,059
−HK$1,289/mo
Today · 4.125%
HK$43,348
baseline
▲ 0.50% · 4.625%
HK$45,986
+HK$2,638/mo
Deposit HK$994K · loan HK$8.94M · min. income ≈ HK$86,696/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,379
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,596
−HK$1,234/mo
Today · 4.125%
HK$47,830
baseline
▲ 0.50% · 4.625%
HK$50,351
+HK$2,521/mo
Deposit HK$994K · loan HK$8.94M · min. income ≈ HK$95,660/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,800 · 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).