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$22,599
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,302
−HK$715/mo
Today · 4.125%
HK$24,017
baseline
▲ 0.50% · 4.625%
HK$25,478
+HK$1,461/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,034/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,142
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,816
−HK$684/mo
Today · 4.125%
HK$26,500
baseline
▲ 0.50% · 4.625%
HK$27,897
+HK$1,397/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,000/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,119
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,963
−HK$857/mo
Today · 4.125%
HK$28,820
baseline
▲ 0.50% · 4.625%
HK$30,573
+HK$1,753/mo
Deposit HK$3.96M · loan HK$5.95M · min. income ≈ HK$57,640/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,170
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,979
−HK$821/mo
Today · 4.125%
HK$31,800
baseline
▲ 0.50% · 4.625%
HK$33,476
+HK$1,676/mo
Deposit HK$3.96M · loan HK$5.95M · min. income ≈ HK$63,600/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,639
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,623
−HK$1,000/mo
Today · 4.125%
HK$33,623
baseline
▲ 0.50% · 4.625%
HK$35,669
+HK$2,046/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,246/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$361,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,198
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,142
−HK$958/mo
Today · 4.125%
HK$37,100
baseline
▲ 0.50% · 4.625%
HK$39,055
+HK$1,955/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,200/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$361,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,679
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,944
−HK$1,286/mo
Today · 4.125%
HK$43,230
baseline
▲ 0.50% · 4.625%
HK$45,860
+HK$2,630/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$86,460/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,255
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,468
−HK$1,232/mo
Today · 4.125%
HK$47,700
baseline
▲ 0.50% · 4.625%
HK$50,214
+HK$2,514/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$95,400/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,088 · 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).