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$22,333
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,027
−HK$706/mo
Today · 4.125%
HK$23,733
baseline
▲ 0.50% · 4.625%
HK$25,177
+HK$1,444/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,466/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,845
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,511
−HK$676/mo
Today · 4.125%
HK$26,187
baseline
▲ 0.50% · 4.625%
HK$27,567
+HK$1,380/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,374/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,799
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,633
−HK$847/mo
Today · 4.125%
HK$28,480
baseline
▲ 0.50% · 4.625%
HK$30,212
+HK$1,732/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$56,960/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,814
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,613
−HK$811/mo
Today · 4.125%
HK$31,424
baseline
▲ 0.50% · 4.625%
HK$33,081
+HK$1,657/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,848/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,266
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,238
−HK$988/mo
Today · 4.125%
HK$33,226
baseline
▲ 0.50% · 4.625%
HK$35,248
+HK$2,022/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,452/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,783
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,715
−HK$947/mo
Today · 4.125%
HK$36,662
baseline
▲ 0.50% · 4.625%
HK$38,594
+HK$1,932/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,324/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,199
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,449
−HK$1,270/mo
Today · 4.125%
HK$42,719
baseline
▲ 0.50% · 4.625%
HK$45,319
+HK$2,600/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,438/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,720
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,920
−HK$1,217/mo
Today · 4.125%
HK$47,137
baseline
▲ 0.50% · 4.625%
HK$49,621
+HK$2,484/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,274/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,387 · 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).