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$22,646
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,351
−HK$715/mo
Today · 4.125%
HK$24,066
baseline
▲ 0.50% · 4.625%
HK$25,531
+HK$1,465/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,132/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,194
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,869
−HK$686/mo
Today · 4.125%
HK$26,555
baseline
▲ 0.50% · 4.625%
HK$27,955
+HK$1,400/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,110/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,175
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,021
−HK$859/mo
Today · 4.125%
HK$28,880
baseline
▲ 0.50% · 4.625%
HK$30,637
+HK$1,757/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,760/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,232
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,043
−HK$823/mo
Today · 4.125%
HK$31,866
baseline
▲ 0.50% · 4.625%
HK$33,545
+HK$1,679/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,732/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,705
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,691
−HK$1,002/mo
Today · 4.125%
HK$33,693
baseline
▲ 0.50% · 4.625%
HK$35,743
+HK$2,050/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,386/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,271
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,217
−HK$960/mo
Today · 4.125%
HK$37,177
baseline
▲ 0.50% · 4.625%
HK$39,136
+HK$1,959/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,354/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,763
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,031
−HK$1,288/mo
Today · 4.125%
HK$43,319
baseline
▲ 0.50% · 4.625%
HK$45,955
+HK$2,636/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$86,638/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,349
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,565
−HK$1,234/mo
Today · 4.125%
HK$47,799
baseline
▲ 0.50% · 4.625%
HK$50,318
+HK$2,519/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$95,598/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,143 · 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).