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$22,686
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,392
−HK$717/mo
Today · 4.125%
HK$24,109
baseline
▲ 0.50% · 4.625%
HK$25,576
+HK$1,467/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,218/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,238
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,915
−HK$687/mo
Today · 4.125%
HK$26,602
baseline
▲ 0.50% · 4.625%
HK$28,004
+HK$1,402/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,204/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$364,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,223
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,070
−HK$861/mo
Today · 4.125%
HK$28,931
baseline
▲ 0.50% · 4.625%
HK$30,691
+HK$1,760/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$57,862/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,286
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,098
−HK$824/mo
Today · 4.125%
HK$31,922
baseline
▲ 0.50% · 4.625%
HK$33,605
+HK$1,683/mo
Deposit HK$3.98M · loan HK$5.97M · min. income ≈ HK$63,844/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$364,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,761
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,749
−HK$1,003/mo
Today · 4.125%
HK$33,752
baseline
▲ 0.50% · 4.625%
HK$35,806
+HK$2,054/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$67,504/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,333
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,281
−HK$961/mo
Today · 4.125%
HK$37,242
baseline
▲ 0.50% · 4.625%
HK$39,206
+HK$1,964/mo
Deposit HK$2.98M · loan HK$6.96M · min. income ≈ HK$74,484/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$364,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,835
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,105
−HK$1,291/mo
Today · 4.125%
HK$43,396
baseline
▲ 0.50% · 4.625%
HK$46,036
+HK$2,640/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$86,792/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,429
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,647
−HK$1,236/mo
Today · 4.125%
HK$47,883
baseline
▲ 0.50% · 4.625%
HK$50,407
+HK$2,524/mo
Deposit HK$995K · loan HK$8.95M · min. income ≈ HK$95,766/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$364,899 · 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).