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$22,353
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,049
−HK$706/mo
Today · 4.125%
HK$23,755
baseline
▲ 0.50% · 4.625%
HK$25,201
+HK$1,446/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,510/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,868
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,535
−HK$677/mo
Today · 4.125%
HK$26,212
baseline
▲ 0.50% · 4.625%
HK$27,593
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,424/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,824
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,659
−HK$847/mo
Today · 4.125%
HK$28,506
baseline
▲ 0.50% · 4.625%
HK$30,241
+HK$1,735/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$57,012/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,842
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,642
−HK$812/mo
Today · 4.125%
HK$31,454
baseline
▲ 0.50% · 4.625%
HK$33,112
+HK$1,658/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,908/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,295
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,268
−HK$989/mo
Today · 4.125%
HK$33,257
baseline
▲ 0.50% · 4.625%
HK$35,281
+HK$2,024/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,514/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,815
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,749
−HK$947/mo
Today · 4.125%
HK$36,696
baseline
▲ 0.50% · 4.625%
HK$38,630
+HK$1,934/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,392/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,236
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,488
−HK$1,271/mo
Today · 4.125%
HK$42,759
baseline
▲ 0.50% · 4.625%
HK$45,361
+HK$2,602/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,518/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,762
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,963
−HK$1,218/mo
Today · 4.125%
HK$47,181
baseline
▲ 0.50% · 4.625%
HK$49,668
+HK$2,487/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,362/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,304 · 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).