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$22,660
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,365
−HK$716/mo
Today · 4.125%
HK$24,081
baseline
▲ 0.50% · 4.625%
HK$25,546
+HK$1,465/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,162/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,209
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,885
−HK$686/mo
Today · 4.125%
HK$26,571
baseline
▲ 0.50% · 4.625%
HK$27,972
+HK$1,401/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,142/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,192
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,038
−HK$859/mo
Today · 4.125%
HK$28,897
baseline
▲ 0.50% · 4.625%
HK$30,656
+HK$1,759/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,794/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,251
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,062
−HK$823/mo
Today · 4.125%
HK$31,885
baseline
▲ 0.50% · 4.625%
HK$33,566
+HK$1,681/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,770/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,724
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,711
−HK$1,002/mo
Today · 4.125%
HK$33,713
baseline
▲ 0.50% · 4.625%
HK$35,765
+HK$2,052/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,426/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,293
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,239
−HK$960/mo
Today · 4.125%
HK$37,199
baseline
▲ 0.50% · 4.625%
HK$39,160
+HK$1,961/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,398/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,788
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,057
−HK$1,289/mo
Today · 4.125%
HK$43,346
baseline
▲ 0.50% · 4.625%
HK$45,983
+HK$2,637/mo
Deposit HK$994K · loan HK$8.94M · min. income ≈ HK$86,692/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,376
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,593
−HK$1,235/mo
Today · 4.125%
HK$47,828
baseline
▲ 0.50% · 4.625%
HK$50,349
+HK$2,521/mo
Deposit HK$994K · loan HK$8.94M · min. income ≈ HK$95,656/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,749 · 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).