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$22,621
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,325
−HK$714/mo
Today · 4.125%
HK$24,039
baseline
▲ 0.50% · 4.625%
HK$25,502
+HK$1,463/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,078/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,166
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,840
−HK$685/mo
Today · 4.125%
HK$26,525
baseline
▲ 0.50% · 4.625%
HK$27,923
+HK$1,398/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,050/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$362,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,145
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,989
−HK$858/mo
Today · 4.125%
HK$28,847
baseline
▲ 0.50% · 4.625%
HK$30,603
+HK$1,756/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,694/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,199
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,009
−HK$821/mo
Today · 4.125%
HK$31,830
baseline
▲ 0.50% · 4.625%
HK$33,508
+HK$1,678/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,660/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,669
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,654
−HK$1,001/mo
Today · 4.125%
HK$33,655
baseline
▲ 0.50% · 4.625%
HK$35,703
+HK$2,048/mo
Deposit HK$2.98M · loan HK$6.94M · min. income ≈ HK$67,310/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,232
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,177
−HK$958/mo
Today · 4.125%
HK$37,135
baseline
▲ 0.50% · 4.625%
HK$39,093
+HK$1,958/mo
Deposit HK$2.98M · loan HK$6.94M · min. income ≈ HK$74,270/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,718
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,984
−HK$1,287/mo
Today · 4.125%
HK$43,271
baseline
▲ 0.50% · 4.625%
HK$45,904
+HK$2,633/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$86,542/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,298
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,513
−HK$1,232/mo
Today · 4.125%
HK$47,745
baseline
▲ 0.50% · 4.625%
HK$50,262
+HK$2,517/mo
Deposit HK$992K · loan HK$8.93M · min. income ≈ HK$95,490/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$362,034 · 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).