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$22,684
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,390
−HK$717/mo
Today · 4.125%
HK$24,107
baseline
▲ 0.50% · 4.625%
HK$25,574
+HK$1,467/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,214/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,236
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,913
−HK$687/mo
Today · 4.125%
HK$26,600
baseline
▲ 0.50% · 4.625%
HK$28,002
+HK$1,402/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,200/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,221
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,068
−HK$860/mo
Today · 4.125%
HK$28,928
baseline
▲ 0.50% · 4.625%
HK$30,689
+HK$1,761/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,856/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,283
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,096
−HK$824/mo
Today · 4.125%
HK$31,920
baseline
▲ 0.50% · 4.625%
HK$33,602
+HK$1,682/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,840/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,758
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,746
−HK$1,004/mo
Today · 4.125%
HK$33,750
baseline
▲ 0.50% · 4.625%
HK$35,803
+HK$2,053/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,500/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,331
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,278
−HK$962/mo
Today · 4.125%
HK$37,240
baseline
▲ 0.50% · 4.625%
HK$39,202
+HK$1,962/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,480/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,832
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,102
−HK$1,291/mo
Today · 4.125%
HK$43,393
baseline
▲ 0.50% · 4.625%
HK$46,033
+HK$2,640/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$86,786/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,425
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,644
−HK$1,235/mo
Today · 4.125%
HK$47,879
baseline
▲ 0.50% · 4.625%
HK$50,403
+HK$2,524/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$95,758/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,821 · 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).