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$22,369
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,065
−HK$707/mo
Today · 4.125%
HK$23,772
baseline
▲ 0.50% · 4.625%
HK$25,218
+HK$1,446/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,544/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$350,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,885
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,553
−HK$677/mo
Today · 4.125%
HK$26,230
baseline
▲ 0.50% · 4.625%
HK$27,612
+HK$1,382/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,460/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$350,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,843
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,678
−HK$848/mo
Today · 4.125%
HK$28,526
baseline
▲ 0.50% · 4.625%
HK$30,262
+HK$1,736/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$57,052/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,862
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,663
−HK$813/mo
Today · 4.125%
HK$31,476
baseline
▲ 0.50% · 4.625%
HK$33,135
+HK$1,659/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$62,952/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,317
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,291
−HK$989/mo
Today · 4.125%
HK$33,280
baseline
▲ 0.50% · 4.625%
HK$35,305
+HK$2,025/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,560/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,839
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,774
−HK$948/mo
Today · 4.125%
HK$36,722
baseline
▲ 0.50% · 4.625%
HK$38,657
+HK$1,935/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,444/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,264
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,517
−HK$1,272/mo
Today · 4.125%
HK$42,789
baseline
▲ 0.50% · 4.625%
HK$45,393
+HK$2,604/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,578/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,794
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,995
−HK$1,219/mo
Today · 4.125%
HK$47,214
baseline
▲ 0.50% · 4.625%
HK$49,702
+HK$2,488/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,428/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,987 · 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).