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$22,701
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,407
−HK$718/mo
Today · 4.125%
HK$24,125
baseline
▲ 0.50% · 4.625%
HK$25,593
+HK$1,468/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$48,250/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,255
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,932
−HK$687/mo
Today · 4.125%
HK$26,619
baseline
▲ 0.50% · 4.625%
HK$28,022
+HK$1,403/mo
Deposit HK$4.98M · loan HK$4.98M · min. income ≈ HK$53,238/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$365,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,241
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,089
−HK$861/mo
Today · 4.125%
HK$28,950
baseline
▲ 0.50% · 4.625%
HK$30,711
+HK$1,761/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,900/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,306
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,119
−HK$824/mo
Today · 4.125%
HK$31,943
baseline
▲ 0.50% · 4.625%
HK$33,627
+HK$1,684/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,886/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$365,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,782
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,770
−HK$1,005/mo
Today · 4.125%
HK$33,775
baseline
▲ 0.50% · 4.625%
HK$35,830
+HK$2,055/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$67,550/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,357
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,305
−HK$962/mo
Today · 4.125%
HK$37,267
baseline
▲ 0.50% · 4.625%
HK$39,231
+HK$1,964/mo
Deposit HK$2.99M · loan HK$6.97M · min. income ≈ HK$74,534/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$365,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,862
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,133
−HK$1,291/mo
Today · 4.125%
HK$43,424
baseline
▲ 0.50% · 4.625%
HK$46,067
+HK$2,643/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$86,848/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,459
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,678
−HK$1,237/mo
Today · 4.125%
HK$47,915
baseline
▲ 0.50% · 4.625%
HK$50,440
+HK$2,525/mo
Deposit HK$996K · loan HK$8.96M · min. income ≈ HK$95,830/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$365,551 · 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).