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$22,733
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,440
−HK$719/mo
Today · 4.125%
HK$24,159
baseline
▲ 0.50% · 4.625%
HK$25,629
+HK$1,470/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,318/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,290
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,969
−HK$688/mo
Today · 4.125%
HK$26,657
baseline
▲ 0.50% · 4.625%
HK$28,062
+HK$1,405/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,314/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,280
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,128
−HK$862/mo
Today · 4.125%
HK$28,990
baseline
▲ 0.50% · 4.625%
HK$30,754
+HK$1,764/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,980/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,349
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,162
−HK$826/mo
Today · 4.125%
HK$31,988
baseline
▲ 0.50% · 4.625%
HK$33,674
+HK$1,686/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,976/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,826
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,816
−HK$1,006/mo
Today · 4.125%
HK$33,822
baseline
▲ 0.50% · 4.625%
HK$35,880
+HK$2,058/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,644/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,407
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,356
−HK$963/mo
Today · 4.125%
HK$37,319
baseline
▲ 0.50% · 4.625%
HK$39,287
+HK$1,968/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,638/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,920
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,193
−HK$1,293/mo
Today · 4.125%
HK$43,486
baseline
▲ 0.50% · 4.625%
HK$46,132
+HK$2,646/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$86,972/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,523
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,744
−HK$1,238/mo
Today · 4.125%
HK$47,982
baseline
▲ 0.50% · 4.625%
HK$50,511
+HK$2,529/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$95,964/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,957 · 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).