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$22,662
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,367
−HK$716/mo
Today · 4.125%
HK$24,083
baseline
▲ 0.50% · 4.625%
HK$25,548
+HK$1,465/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,166/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,211
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,887
−HK$686/mo
Today · 4.125%
HK$26,573
baseline
▲ 0.50% · 4.625%
HK$27,974
+HK$1,401/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,146/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,194
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,040
−HK$860/mo
Today · 4.125%
HK$28,900
baseline
▲ 0.50% · 4.625%
HK$30,658
+HK$1,758/mo
Deposit HK$3.98M · loan HK$5.96M · min. income ≈ HK$57,800/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,253
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,065
−HK$823/mo
Today · 4.125%
HK$31,888
baseline
▲ 0.50% · 4.625%
HK$33,569
+HK$1,681/mo
Deposit HK$3.98M · loan HK$5.96M · min. income ≈ HK$63,776/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,727
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,714
−HK$1,002/mo
Today · 4.125%
HK$33,716
baseline
▲ 0.50% · 4.625%
HK$35,768
+HK$2,052/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,432/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$363,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,296
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,242
−HK$961/mo
Today · 4.125%
HK$37,203
baseline
▲ 0.50% · 4.625%
HK$39,164
+HK$1,961/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,406/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$363,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,791
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,060
−HK$1,289/mo
Today · 4.125%
HK$43,349
baseline
▲ 0.50% · 4.625%
HK$45,987
+HK$2,638/mo
Deposit HK$994K · loan HK$8.94M · min. income ≈ HK$86,698/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,380
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,597
−HK$1,235/mo
Today · 4.125%
HK$47,832
baseline
▲ 0.50% · 4.625%
HK$50,353
+HK$2,521/mo
Deposit HK$994K · loan HK$8.94M · min. income ≈ HK$95,664/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,832 · 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).