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$22,631
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,335
−HK$715/mo
Today · 4.125%
HK$24,050
baseline
▲ 0.50% · 4.625%
HK$25,513
+HK$1,463/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,100/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,177
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,852
−HK$685/mo
Today · 4.125%
HK$26,537
baseline
▲ 0.50% · 4.625%
HK$27,936
+HK$1,399/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,074/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,157
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,002
−HK$858/mo
Today · 4.125%
HK$28,860
baseline
▲ 0.50% · 4.625%
HK$30,616
+HK$1,756/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,720/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,212
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,022
−HK$822/mo
Today · 4.125%
HK$31,844
baseline
▲ 0.50% · 4.625%
HK$33,523
+HK$1,679/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,688/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,683
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,669
−HK$1,001/mo
Today · 4.125%
HK$33,670
baseline
▲ 0.50% · 4.625%
HK$35,719
+HK$2,049/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,340/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,247
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,193
−HK$959/mo
Today · 4.125%
HK$37,152
baseline
▲ 0.50% · 4.625%
HK$39,110
+HK$1,958/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,304/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,736
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$42,003
−HK$1,287/mo
Today · 4.125%
HK$43,290
baseline
▲ 0.50% · 4.625%
HK$45,924
+HK$2,634/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,580/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,318
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,533
−HK$1,233/mo
Today · 4.125%
HK$47,766
baseline
▲ 0.50% · 4.625%
HK$50,284
+HK$2,518/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,532/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,472 · 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).