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$22,664
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,369
−HK$716/mo
Today · 4.125%
HK$24,085
baseline
▲ 0.50% · 4.625%
HK$25,551
+HK$1,466/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,170/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,214
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,890
−HK$686/mo
Today · 4.125%
HK$26,576
baseline
▲ 0.50% · 4.625%
HK$27,977
+HK$1,401/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,152/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,197
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,043
−HK$860/mo
Today · 4.125%
HK$28,903
baseline
▲ 0.50% · 4.625%
HK$30,661
+HK$1,758/mo
Deposit HK$3.98M · loan HK$5.96M · min. income ≈ HK$57,806/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,256
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,068
−HK$823/mo
Today · 4.125%
HK$31,891
baseline
▲ 0.50% · 4.625%
HK$33,572
+HK$1,681/mo
Deposit HK$3.98M · loan HK$5.96M · min. income ≈ HK$63,782/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,730
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,717
−HK$1,003/mo
Today · 4.125%
HK$33,720
baseline
▲ 0.50% · 4.625%
HK$35,771
+HK$2,051/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,440/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$363,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,299
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,246
−HK$960/mo
Today · 4.125%
HK$37,206
baseline
▲ 0.50% · 4.625%
HK$39,168
+HK$1,962/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,412/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$363,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,796
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,065
−HK$1,289/mo
Today · 4.125%
HK$43,354
baseline
▲ 0.50% · 4.625%
HK$45,992
+HK$2,638/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$86,708/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,385
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,602
−HK$1,235/mo
Today · 4.125%
HK$47,837
baseline
▲ 0.50% · 4.625%
HK$50,358
+HK$2,521/mo
Deposit HK$994K · loan HK$8.95M · min. income ≈ HK$95,674/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,934 · 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).