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$22,715
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,421
−HK$718/mo
Today · 4.125%
HK$24,139
baseline
▲ 0.50% · 4.625%
HK$25,608
+HK$1,469/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,278/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,270
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,948
−HK$687/mo
Today · 4.125%
HK$26,635
baseline
▲ 0.50% · 4.625%
HK$28,039
+HK$1,404/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,270/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$366,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,258
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,106
−HK$861/mo
Today · 4.125%
HK$28,967
baseline
▲ 0.50% · 4.625%
HK$30,730
+HK$1,763/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$57,934/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,324
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,137
−HK$825/mo
Today · 4.125%
HK$31,962
baseline
▲ 0.50% · 4.625%
HK$33,647
+HK$1,685/mo
Deposit HK$3.98M · loan HK$5.98M · min. income ≈ HK$63,924/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$366,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,801
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,790
−HK$1,005/mo
Today · 4.125%
HK$33,795
baseline
▲ 0.50% · 4.625%
HK$35,851
+HK$2,056/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,590/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$366,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,378
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,327
−HK$962/mo
Today · 4.125%
HK$37,289
baseline
▲ 0.50% · 4.625%
HK$39,255
+HK$1,966/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,578/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$366,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,887
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,158
−HK$1,293/mo
Today · 4.125%
HK$43,451
baseline
▲ 0.50% · 4.625%
HK$46,094
+HK$2,643/mo
Deposit HK$996K · loan HK$8.97M · min. income ≈ HK$86,902/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,486
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,706
−HK$1,237/mo
Today · 4.125%
HK$47,943
baseline
▲ 0.50% · 4.625%
HK$50,471
+HK$2,528/mo
Deposit HK$996K · loan HK$8.97M · min. income ≈ HK$95,886/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$366,151 · 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).