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$22,648
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,353
−HK$715/mo
Today · 4.125%
HK$24,068
baseline
▲ 0.50% · 4.625%
HK$25,533
+HK$1,465/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$48,136/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,196
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,871
−HK$686/mo
Today · 4.125%
HK$26,557
baseline
▲ 0.50% · 4.625%
HK$27,957
+HK$1,400/mo
Deposit HK$4.97M · loan HK$4.97M · min. income ≈ HK$53,114/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$363,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,178
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,023
−HK$859/mo
Today · 4.125%
HK$28,882
baseline
▲ 0.50% · 4.625%
HK$30,639
+HK$1,757/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,764/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,235
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,046
−HK$822/mo
Today · 4.125%
HK$31,868
baseline
▲ 0.50% · 4.625%
HK$33,548
+HK$1,680/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,736/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$363,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,707
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,694
−HK$1,002/mo
Today · 4.125%
HK$33,696
baseline
▲ 0.50% · 4.625%
HK$35,746
+HK$2,050/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,392/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,274
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,220
−HK$960/mo
Today · 4.125%
HK$37,180
baseline
▲ 0.50% · 4.625%
HK$39,140
+HK$1,960/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,360/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$363,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,766
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,035
−HK$1,288/mo
Today · 4.125%
HK$43,323
baseline
▲ 0.50% · 4.625%
HK$45,959
+HK$2,636/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$86,646/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,352
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,569
−HK$1,234/mo
Today · 4.125%
HK$47,803
baseline
▲ 0.50% · 4.625%
HK$50,322
+HK$2,519/mo
Deposit HK$993K · loan HK$8.94M · min. income ≈ HK$95,606/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$363,223 · 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).