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$22,653
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,358
−HK$716/mo
Today · 4.125%
HK$24,074
baseline
▲ 0.50% · 4.625%
HK$25,538
+HK$1,464/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,148/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,201
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,877
−HK$686/mo
Today · 4.125%
HK$26,563
baseline
▲ 0.50% · 4.625%
HK$27,963
+HK$1,400/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,126/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,184
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,029
−HK$859/mo
Today · 4.125%
HK$28,888
baseline
▲ 0.50% · 4.625%
HK$30,646
+HK$1,758/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,776/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,241
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,052
−HK$823/mo
Today · 4.125%
HK$31,875
baseline
▲ 0.50% · 4.625%
HK$33,555
+HK$1,680/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,750/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,714
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,701
−HK$1,002/mo
Today · 4.125%
HK$33,703
baseline
▲ 0.50% · 4.625%
HK$35,754
+HK$2,051/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,406/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,282
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,228
−HK$960/mo
Today · 4.125%
HK$37,188
baseline
▲ 0.50% · 4.625%
HK$39,148
+HK$1,960/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,376/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,775
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,044
−HK$1,288/mo
Today · 4.125%
HK$43,332
baseline
▲ 0.50% · 4.625%
HK$45,969
+HK$2,637/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$86,664/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,362
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,579
−HK$1,234/mo
Today · 4.125%
HK$47,813
baseline
▲ 0.50% · 4.625%
HK$50,333
+HK$2,520/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$95,626/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,440 · 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).