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$22,359
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,054
−HK$707/mo
Today · 4.125%
HK$23,761
baseline
▲ 0.50% · 4.625%
HK$25,206
+HK$1,445/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,522/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,874
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,541
−HK$677/mo
Today · 4.125%
HK$26,218
baseline
▲ 0.50% · 4.625%
HK$27,600
+HK$1,382/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,436/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,830
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,665
−HK$848/mo
Today · 4.125%
HK$28,513
baseline
▲ 0.50% · 4.625%
HK$30,248
+HK$1,735/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$57,026/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,848
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,649
−HK$812/mo
Today · 4.125%
HK$31,461
baseline
▲ 0.50% · 4.625%
HK$33,119
+HK$1,658/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,922/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,302
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,276
−HK$989/mo
Today · 4.125%
HK$33,265
baseline
▲ 0.50% · 4.625%
HK$35,289
+HK$2,024/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,530/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,823
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,757
−HK$948/mo
Today · 4.125%
HK$36,705
baseline
▲ 0.50% · 4.625%
HK$38,639
+HK$1,934/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,410/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,245
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,497
−HK$1,272/mo
Today · 4.125%
HK$42,769
baseline
▲ 0.50% · 4.625%
HK$45,372
+HK$2,603/mo
Deposit HK$981K · loan HK$8.82M · min. income ≈ HK$85,538/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,773
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,973
−HK$1,219/mo
Today · 4.125%
HK$47,192
baseline
▲ 0.50% · 4.625%
HK$49,679
+HK$2,487/mo
Deposit HK$981K · loan HK$8.82M · min. income ≈ HK$94,384/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,531 · 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).