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$22,686
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,391
−HK$717/mo
Today · 4.125%
HK$24,108
baseline
▲ 0.50% · 4.625%
HK$25,575
+HK$1,467/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,216/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,238
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,915
−HK$686/mo
Today · 4.125%
HK$26,601
baseline
▲ 0.50% · 4.625%
HK$28,003
+HK$1,402/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,202/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,223
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,070
−HK$860/mo
Today · 4.125%
HK$28,930
baseline
▲ 0.50% · 4.625%
HK$30,690
+HK$1,760/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,860/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,285
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,098
−HK$824/mo
Today · 4.125%
HK$31,922
baseline
▲ 0.50% · 4.625%
HK$33,604
+HK$1,682/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,844/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,760
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,748
−HK$1,004/mo
Today · 4.125%
HK$33,752
baseline
▲ 0.50% · 4.625%
HK$35,806
+HK$2,054/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,504/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,333
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,280
−HK$962/mo
Today · 4.125%
HK$37,242
baseline
▲ 0.50% · 4.625%
HK$39,205
+HK$1,963/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,484/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,834
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,105
−HK$1,290/mo
Today · 4.125%
HK$43,395
baseline
▲ 0.50% · 4.625%
HK$46,036
+HK$2,641/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$86,790/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,428
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,646
−HK$1,236/mo
Today · 4.125%
HK$47,882
baseline
▲ 0.50% · 4.625%
HK$50,406
+HK$2,524/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$95,764/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,881 · 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).