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$22,602
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,305
−HK$715/mo
Today · 4.125%
HK$24,020
baseline
▲ 0.50% · 4.625%
HK$25,481
+HK$1,461/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,040/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,145
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,819
−HK$684/mo
Today · 4.125%
HK$26,503
baseline
▲ 0.50% · 4.625%
HK$27,900
+HK$1,397/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,006/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,123
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,966
−HK$858/mo
Today · 4.125%
HK$28,824
baseline
▲ 0.50% · 4.625%
HK$30,577
+HK$1,753/mo
Deposit HK$3.96M · loan HK$5.95M · min. income ≈ HK$57,648/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,174
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,983
−HK$821/mo
Today · 4.125%
HK$31,804
baseline
▲ 0.50% · 4.625%
HK$33,480
+HK$1,676/mo
Deposit HK$3.96M · loan HK$5.95M · min. income ≈ HK$63,608/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,643
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,628
−HK$1,000/mo
Today · 4.125%
HK$33,628
baseline
▲ 0.50% · 4.625%
HK$35,674
+HK$2,046/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,256/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$361,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,203
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,147
−HK$958/mo
Today · 4.125%
HK$37,105
baseline
▲ 0.50% · 4.625%
HK$39,061
+HK$1,956/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,210/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$361,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,684
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,950
−HK$1,285/mo
Today · 4.125%
HK$43,235
baseline
▲ 0.50% · 4.625%
HK$45,866
+HK$2,631/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$86,470/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,261
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,475
−HK$1,231/mo
Today · 4.125%
HK$47,706
baseline
▲ 0.50% · 4.625%
HK$50,221
+HK$2,515/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$95,412/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,218 · 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).