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$22,598
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,301
−HK$715/mo
Today · 4.125%
HK$24,016
baseline
▲ 0.50% · 4.625%
HK$25,477
+HK$1,461/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,032/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,140
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,815
−HK$684/mo
Today · 4.125%
HK$26,499
baseline
▲ 0.50% · 4.625%
HK$27,896
+HK$1,397/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$52,998/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$361,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,118
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,962
−HK$857/mo
Today · 4.125%
HK$28,819
baseline
▲ 0.50% · 4.625%
HK$30,572
+HK$1,753/mo
Deposit HK$3.96M · loan HK$5.95M · min. income ≈ HK$57,638/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,169
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,978
−HK$821/mo
Today · 4.125%
HK$31,799
baseline
▲ 0.50% · 4.625%
HK$33,475
+HK$1,676/mo
Deposit HK$3.96M · loan HK$5.95M · min. income ≈ HK$63,598/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$361,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,638
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,622
−HK$1,000/mo
Today · 4.125%
HK$33,622
baseline
▲ 0.50% · 4.625%
HK$35,668
+HK$2,046/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$67,244/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$361,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,197
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,141
−HK$957/mo
Today · 4.125%
HK$37,098
baseline
▲ 0.50% · 4.625%
HK$39,054
+HK$1,956/mo
Deposit HK$2.97M · loan HK$6.94M · min. income ≈ HK$74,196/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$361,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,677
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,942
−HK$1,286/mo
Today · 4.125%
HK$43,228
baseline
▲ 0.50% · 4.625%
HK$45,858
+HK$2,630/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$86,456/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,253
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,467
−HK$1,231/mo
Today · 4.125%
HK$47,698
baseline
▲ 0.50% · 4.625%
HK$50,212
+HK$2,514/mo
Deposit HK$991K · loan HK$8.92M · min. income ≈ HK$95,396/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$361,047 · 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).