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$22,609
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,313
−HK$714/mo
Today · 4.125%
HK$24,027
baseline
▲ 0.50% · 4.625%
HK$25,489
+HK$1,462/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,054/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,153
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,827
−HK$684/mo
Today · 4.125%
HK$26,511
baseline
▲ 0.50% · 4.625%
HK$27,909
+HK$1,398/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,022/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,131
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,975
−HK$857/mo
Today · 4.125%
HK$28,832
baseline
▲ 0.50% · 4.625%
HK$30,587
+HK$1,755/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$57,664/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,183
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,993
−HK$821/mo
Today · 4.125%
HK$31,814
baseline
▲ 0.50% · 4.625%
HK$33,491
+HK$1,677/mo
Deposit HK$3.97M · loan HK$5.95M · min. income ≈ HK$63,628/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,653
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,638
−HK$1,000/mo
Today · 4.125%
HK$33,638
baseline
▲ 0.50% · 4.625%
HK$35,685
+HK$2,047/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,276/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,214
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,158
−HK$958/mo
Today · 4.125%
HK$37,116
baseline
▲ 0.50% · 4.625%
HK$39,073
+HK$1,957/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,232/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$361,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,697
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,963
−HK$1,286/mo
Today · 4.125%
HK$43,249
baseline
▲ 0.50% · 4.625%
HK$45,880
+HK$2,631/mo
Deposit HK$992K · loan HK$8.92M · min. income ≈ HK$86,498/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,275
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,489
−HK$1,232/mo
Today · 4.125%
HK$47,721
baseline
▲ 0.50% · 4.625%
HK$50,236
+HK$2,515/mo
Deposit HK$992K · loan HK$8.92M · min. income ≈ HK$95,442/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,523 · 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).