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$22,681
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,387
−HK$717/mo
Today · 4.125%
HK$24,104
baseline
▲ 0.50% · 4.625%
HK$25,570
+HK$1,466/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,208/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,233
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,909
−HK$687/mo
Today · 4.125%
HK$26,596
baseline
▲ 0.50% · 4.625%
HK$27,998
+HK$1,402/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,192/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,218
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,064
−HK$860/mo
Today · 4.125%
HK$28,924
baseline
▲ 0.50% · 4.625%
HK$30,684
+HK$1,760/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,848/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,279
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,091
−HK$824/mo
Today · 4.125%
HK$31,915
baseline
▲ 0.50% · 4.625%
HK$33,598
+HK$1,683/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,830/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,754
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,742
−HK$1,003/mo
Today · 4.125%
HK$33,745
baseline
▲ 0.50% · 4.625%
HK$35,798
+HK$2,053/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,490/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,326
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,273
−HK$961/mo
Today · 4.125%
HK$37,234
baseline
▲ 0.50% · 4.625%
HK$39,197
+HK$1,963/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,468/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,826
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,096
−HK$1,291/mo
Today · 4.125%
HK$43,387
baseline
▲ 0.50% · 4.625%
HK$46,027
+HK$2,640/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$86,774/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,419
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,637
−HK$1,236/mo
Today · 4.125%
HK$47,873
baseline
▲ 0.50% · 4.625%
HK$50,396
+HK$2,523/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$95,746/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,684 · 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).