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$22,644
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,349
−HK$715/mo
Today · 4.125%
HK$24,064
baseline
▲ 0.50% · 4.625%
HK$25,529
+HK$1,465/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,128/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,192
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,867
−HK$686/mo
Today · 4.125%
HK$26,553
baseline
▲ 0.50% · 4.625%
HK$27,952
+HK$1,399/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,106/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,173
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,018
−HK$859/mo
Today · 4.125%
HK$28,877
baseline
▲ 0.50% · 4.625%
HK$30,634
+HK$1,757/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,754/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,230
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,041
−HK$822/mo
Today · 4.125%
HK$31,863
baseline
▲ 0.50% · 4.625%
HK$33,543
+HK$1,680/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,726/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,702
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,688
−HK$1,002/mo
Today · 4.125%
HK$33,690
baseline
▲ 0.50% · 4.625%
HK$35,740
+HK$2,050/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,380/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,268
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,214
−HK$960/mo
Today · 4.125%
HK$37,174
baseline
▲ 0.50% · 4.625%
HK$39,133
+HK$1,959/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,348/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,760
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,028
−HK$1,288/mo
Today · 4.125%
HK$43,316
baseline
▲ 0.50% · 4.625%
HK$45,952
+HK$2,636/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$86,632/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,345
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,561
−HK$1,234/mo
Today · 4.125%
HK$47,795
baseline
▲ 0.50% · 4.625%
HK$50,314
+HK$2,519/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$95,590/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,063 · 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).