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$22,344
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,039
−HK$706/mo
Today · 4.125%
HK$23,745
baseline
▲ 0.50% · 4.625%
HK$25,190
+HK$1,445/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,490/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,857
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,524
−HK$676/mo
Today · 4.125%
HK$26,200
baseline
▲ 0.50% · 4.625%
HK$27,581
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,400/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,813
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,647
−HK$847/mo
Today · 4.125%
HK$28,494
baseline
▲ 0.50% · 4.625%
HK$30,228
+HK$1,734/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$56,988/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,829
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,629
−HK$811/mo
Today · 4.125%
HK$31,440
baseline
▲ 0.50% · 4.625%
HK$33,097
+HK$1,657/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,880/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,281
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,254
−HK$989/mo
Today · 4.125%
HK$33,243
baseline
▲ 0.50% · 4.625%
HK$35,266
+HK$2,023/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,486/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,800
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,733
−HK$947/mo
Today · 4.125%
HK$36,680
baseline
▲ 0.50% · 4.625%
HK$38,614
+HK$1,934/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,360/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,219
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,470
−HK$1,271/mo
Today · 4.125%
HK$42,741
baseline
▲ 0.50% · 4.625%
HK$45,342
+HK$2,601/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,482/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,743
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,943
−HK$1,217/mo
Today · 4.125%
HK$47,160
baseline
▲ 0.50% · 4.625%
HK$49,646
+HK$2,486/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,320/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,880 · 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).