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$22,678
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,383
−HK$717/mo
Today · 4.125%
HK$24,100
baseline
▲ 0.50% · 4.625%
HK$25,567
+HK$1,467/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,200/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,229
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,906
−HK$686/mo
Today · 4.125%
HK$26,592
baseline
▲ 0.50% · 4.625%
HK$27,994
+HK$1,402/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,184/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,214
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,060
−HK$860/mo
Today · 4.125%
HK$28,920
baseline
▲ 0.50% · 4.625%
HK$30,680
+HK$1,760/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,840/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,275
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,087
−HK$823/mo
Today · 4.125%
HK$31,910
baseline
▲ 0.50% · 4.625%
HK$33,593
+HK$1,683/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,820/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,749
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,737
−HK$1,003/mo
Today · 4.125%
HK$33,740
baseline
▲ 0.50% · 4.625%
HK$35,793
+HK$2,053/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,480/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,321
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,268
−HK$961/mo
Today · 4.125%
HK$37,229
baseline
▲ 0.50% · 4.625%
HK$39,191
+HK$1,962/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,458/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,820
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,090
−HK$1,290/mo
Today · 4.125%
HK$43,380
baseline
▲ 0.50% · 4.625%
HK$46,020
+HK$2,640/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$86,760/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,412
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,630
−HK$1,236/mo
Today · 4.125%
HK$47,866
baseline
▲ 0.50% · 4.625%
HK$50,389
+HK$2,523/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$95,732/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,537 · 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).