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$22,712
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,418
−HK$718/mo
Today · 4.125%
HK$24,136
baseline
▲ 0.50% · 4.625%
HK$25,605
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,272/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,267
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,944
−HK$688/mo
Today · 4.125%
HK$26,632
baseline
▲ 0.50% · 4.625%
HK$28,036
+HK$1,404/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,264/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,254
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,102
−HK$861/mo
Today · 4.125%
HK$28,963
baseline
▲ 0.50% · 4.625%
HK$30,726
+HK$1,763/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$57,926/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,320
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,133
−HK$825/mo
Today · 4.125%
HK$31,958
baseline
▲ 0.50% · 4.625%
HK$33,643
+HK$1,685/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$63,916/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,797
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,786
−HK$1,004/mo
Today · 4.125%
HK$33,790
baseline
▲ 0.50% · 4.625%
HK$35,847
+HK$2,057/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,580/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$366,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,373
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,322
−HK$962/mo
Today · 4.125%
HK$37,284
baseline
▲ 0.50% · 4.625%
HK$39,250
+HK$1,966/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,568/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$366,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,881
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,153
−HK$1,292/mo
Today · 4.125%
HK$43,445
baseline
▲ 0.50% · 4.625%
HK$46,088
+HK$2,643/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$86,890/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,480
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,700
−HK$1,237/mo
Today · 4.125%
HK$47,937
baseline
▲ 0.50% · 4.625%
HK$50,464
+HK$2,527/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$95,874/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,020 · 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).