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$22,648
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,352
−HK$716/mo
Today · 4.125%
HK$24,068
baseline
▲ 0.50% · 4.625%
HK$25,532
+HK$1,464/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,136/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,195
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,871
−HK$686/mo
Today · 4.125%
HK$26,557
baseline
▲ 0.50% · 4.625%
HK$27,956
+HK$1,399/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,114/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,177
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,023
−HK$859/mo
Today · 4.125%
HK$28,882
baseline
▲ 0.50% · 4.625%
HK$30,639
+HK$1,757/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,764/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,234
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,045
−HK$823/mo
Today · 4.125%
HK$31,868
baseline
▲ 0.50% · 4.625%
HK$33,548
+HK$1,680/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,736/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,707
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,693
−HK$1,002/mo
Today · 4.125%
HK$33,695
baseline
▲ 0.50% · 4.625%
HK$35,745
+HK$2,050/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,390/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,273
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,220
−HK$959/mo
Today · 4.125%
HK$37,179
baseline
▲ 0.50% · 4.625%
HK$39,139
+HK$1,960/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,358/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,766
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,034
−HK$1,288/mo
Today · 4.125%
HK$43,322
baseline
▲ 0.50% · 4.625%
HK$45,958
+HK$2,636/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$86,644/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,352
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,568
−HK$1,234/mo
Today · 4.125%
HK$47,802
baseline
▲ 0.50% · 4.625%
HK$50,322
+HK$2,520/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$95,604/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,209 · 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).