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$22,328
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,023
−HK$705/mo
Today · 4.125%
HK$23,728
baseline
▲ 0.50% · 4.625%
HK$25,172
+HK$1,444/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,456/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,840
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,506
−HK$676/mo
Today · 4.125%
HK$26,182
baseline
▲ 0.50% · 4.625%
HK$27,562
+HK$1,380/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,364/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,794
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,627
−HK$847/mo
Today · 4.125%
HK$28,474
baseline
▲ 0.50% · 4.625%
HK$30,207
+HK$1,733/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$56,948/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,808
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,607
−HK$811/mo
Today · 4.125%
HK$31,418
baseline
▲ 0.50% · 4.625%
HK$33,074
+HK$1,656/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,836/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,259
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,232
−HK$988/mo
Today · 4.125%
HK$33,220
baseline
▲ 0.50% · 4.625%
HK$35,241
+HK$2,021/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,440/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,776
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,708
−HK$947/mo
Today · 4.125%
HK$36,655
baseline
▲ 0.50% · 4.625%
HK$38,587
+HK$1,932/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,310/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,191
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,441
−HK$1,270/mo
Today · 4.125%
HK$42,711
baseline
▲ 0.50% · 4.625%
HK$45,310
+HK$2,599/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,422/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,712
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,911
−HK$1,216/mo
Today · 4.125%
HK$47,127
baseline
▲ 0.50% · 4.625%
HK$49,612
+HK$2,485/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,254/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,195 · 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).