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$22,724
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,431
−HK$718/mo
Today · 4.125%
HK$24,149
baseline
▲ 0.50% · 4.625%
HK$25,619
+HK$1,470/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,298/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,281
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,959
−HK$687/mo
Today · 4.125%
HK$26,646
baseline
▲ 0.50% · 4.625%
HK$28,051
+HK$1,405/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,292/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,269
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,117
−HK$862/mo
Today · 4.125%
HK$28,979
baseline
▲ 0.50% · 4.625%
HK$30,743
+HK$1,764/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,958/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,337
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,150
−HK$826/mo
Today · 4.125%
HK$31,976
baseline
▲ 0.50% · 4.625%
HK$33,661
+HK$1,685/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,952/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,814
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,804
−HK$1,005/mo
Today · 4.125%
HK$33,809
baseline
▲ 0.50% · 4.625%
HK$35,866
+HK$2,057/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,618/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,393
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,342
−HK$963/mo
Today · 4.125%
HK$37,305
baseline
▲ 0.50% · 4.625%
HK$39,271
+HK$1,966/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,610/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,904
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,176
−HK$1,293/mo
Today · 4.125%
HK$43,469
baseline
▲ 0.50% · 4.625%
HK$46,114
+HK$2,645/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$86,938/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,505
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,726
−HK$1,238/mo
Today · 4.125%
HK$47,964
baseline
▲ 0.50% · 4.625%
HK$50,492
+HK$2,528/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$95,928/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,571 · 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).