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$22,729
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,436
−HK$718/mo
Today · 4.125%
HK$24,154
baseline
▲ 0.50% · 4.625%
HK$25,624
+HK$1,470/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,308/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,286
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,964
−HK$688/mo
Today · 4.125%
HK$26,652
baseline
▲ 0.50% · 4.625%
HK$28,057
+HK$1,405/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,304/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,275
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,123
−HK$862/mo
Today · 4.125%
HK$28,985
baseline
▲ 0.50% · 4.625%
HK$30,749
+HK$1,764/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,970/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,343
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,157
−HK$826/mo
Today · 4.125%
HK$31,983
baseline
▲ 0.50% · 4.625%
HK$33,668
+HK$1,685/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,966/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,821
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,811
−HK$1,005/mo
Today · 4.125%
HK$33,816
baseline
▲ 0.50% · 4.625%
HK$35,874
+HK$2,058/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,632/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,400
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,350
−HK$963/mo
Today · 4.125%
HK$37,313
baseline
▲ 0.50% · 4.625%
HK$39,280
+HK$1,967/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,626/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,913
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,185
−HK$1,293/mo
Today · 4.125%
HK$43,478
baseline
▲ 0.50% · 4.625%
HK$46,124
+HK$2,646/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$86,956/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,515
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,735
−HK$1,239/mo
Today · 4.125%
HK$47,974
baseline
▲ 0.50% · 4.625%
HK$50,503
+HK$2,529/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$95,948/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,782 · 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).