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$22,630
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,334
−HK$715/mo
Today · 4.125%
HK$24,049
baseline
▲ 0.50% · 4.625%
HK$25,512
+HK$1,463/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,098/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,175
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,851
−HK$684/mo
Today · 4.125%
HK$26,535
baseline
▲ 0.50% · 4.625%
HK$27,934
+HK$1,399/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,070/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,156
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,000
−HK$859/mo
Today · 4.125%
HK$28,859
baseline
▲ 0.50% · 4.625%
HK$30,615
+HK$1,756/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,718/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,210
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,021
−HK$822/mo
Today · 4.125%
HK$31,843
baseline
▲ 0.50% · 4.625%
HK$33,521
+HK$1,678/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,686/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,682
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,667
−HK$1,001/mo
Today · 4.125%
HK$33,668
baseline
▲ 0.50% · 4.625%
HK$35,717
+HK$2,049/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,336/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,245
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,191
−HK$959/mo
Today · 4.125%
HK$37,150
baseline
▲ 0.50% · 4.625%
HK$39,108
+HK$1,958/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,300/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,733
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,001
−HK$1,287/mo
Today · 4.125%
HK$43,288
baseline
▲ 0.50% · 4.625%
HK$45,922
+HK$2,634/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,576/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,316
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,531
−HK$1,233/mo
Today · 4.125%
HK$47,764
baseline
▲ 0.50% · 4.625%
HK$50,282
+HK$2,518/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,528/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,420 · 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).