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$22,724
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,431
−HK$718/mo
Today · 4.125%
HK$24,149
baseline
▲ 0.50% · 4.625%
HK$25,618
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,298/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,280
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,958
−HK$688/mo
Today · 4.125%
HK$26,646
baseline
▲ 0.50% · 4.625%
HK$28,050
+HK$1,404/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,292/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,269
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,117
−HK$862/mo
Today · 4.125%
HK$28,979
baseline
▲ 0.50% · 4.625%
HK$30,742
+HK$1,763/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,958/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,336
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,150
−HK$825/mo
Today · 4.125%
HK$31,975
baseline
▲ 0.50% · 4.625%
HK$33,660
+HK$1,685/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,950/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,813
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,803
−HK$1,005/mo
Today · 4.125%
HK$33,808
baseline
▲ 0.50% · 4.625%
HK$35,865
+HK$2,057/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,616/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,392
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,341
−HK$963/mo
Today · 4.125%
HK$37,304
baseline
▲ 0.50% · 4.625%
HK$39,270
+HK$1,966/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,608/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$366,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,903
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,175
−HK$1,293/mo
Today · 4.125%
HK$43,468
baseline
▲ 0.50% · 4.625%
HK$46,113
+HK$2,645/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$86,936/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,504
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,724
−HK$1,238/mo
Today · 4.125%
HK$47,962
baseline
▲ 0.50% · 4.625%
HK$50,491
+HK$2,529/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$95,924/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,546 · 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).