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$22,716
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,422
−HK$718/mo
Today · 4.125%
HK$24,140
baseline
▲ 0.50% · 4.625%
HK$25,609
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,280/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,271
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,949
−HK$687/mo
Today · 4.125%
HK$26,636
baseline
▲ 0.50% · 4.625%
HK$28,041
+HK$1,405/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,272/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,259
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,107
−HK$861/mo
Today · 4.125%
HK$28,968
baseline
▲ 0.50% · 4.625%
HK$30,731
+HK$1,763/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$57,936/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,325
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,139
−HK$825/mo
Today · 4.125%
HK$31,964
baseline
▲ 0.50% · 4.625%
HK$33,649
+HK$1,685/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$63,928/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,802
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,791
−HK$1,005/mo
Today · 4.125%
HK$33,796
baseline
▲ 0.50% · 4.625%
HK$35,853
+HK$2,057/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,592/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$366,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,380
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,328
−HK$963/mo
Today · 4.125%
HK$37,291
baseline
▲ 0.50% · 4.625%
HK$39,257
+HK$1,966/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,582/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$366,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,889
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,160
−HK$1,293/mo
Today · 4.125%
HK$43,453
baseline
▲ 0.50% · 4.625%
HK$46,097
+HK$2,644/mo
Deposit HK$996K · loan HK$8.97M · min. income ≈ HK$86,906/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,488
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,708
−HK$1,238/mo
Today · 4.125%
HK$47,946
baseline
▲ 0.50% · 4.625%
HK$50,473
+HK$2,527/mo
Deposit HK$996K · loan HK$8.97M · min. income ≈ HK$95,892/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,198 · 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).