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$22,361
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,056
−HK$707/mo
Today · 4.125%
HK$23,763
baseline
▲ 0.50% · 4.625%
HK$25,209
+HK$1,446/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,526/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,876
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,543
−HK$677/mo
Today · 4.125%
HK$26,220
baseline
▲ 0.50% · 4.625%
HK$27,602
+HK$1,382/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,440/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,833
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,667
−HK$848/mo
Today · 4.125%
HK$28,515
baseline
▲ 0.50% · 4.625%
HK$30,250
+HK$1,735/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$57,030/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,851
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,652
−HK$812/mo
Today · 4.125%
HK$31,464
baseline
▲ 0.50% · 4.625%
HK$33,122
+HK$1,658/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,928/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,305
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,278
−HK$990/mo
Today · 4.125%
HK$33,268
baseline
▲ 0.50% · 4.625%
HK$35,292
+HK$2,024/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,536/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,826
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,760
−HK$948/mo
Today · 4.125%
HK$36,708
baseline
▲ 0.50% · 4.625%
HK$38,643
+HK$1,935/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,416/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,249
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,501
−HK$1,272/mo
Today · 4.125%
HK$42,773
baseline
▲ 0.50% · 4.625%
HK$45,376
+HK$2,603/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,546/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,777
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,977
−HK$1,219/mo
Today · 4.125%
HK$47,196
baseline
▲ 0.50% · 4.625%
HK$49,683
+HK$2,487/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,392/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,615 · 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).