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$22,354
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,050
−HK$706/mo
Today · 4.125%
HK$23,756
baseline
▲ 0.50% · 4.625%
HK$25,202
+HK$1,446/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,512/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,869
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,536
−HK$677/mo
Today · 4.125%
HK$26,213
baseline
▲ 0.50% · 4.625%
HK$27,594
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,426/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,825
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,660
−HK$848/mo
Today · 4.125%
HK$28,508
baseline
▲ 0.50% · 4.625%
HK$30,242
+HK$1,734/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$57,016/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,843
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,643
−HK$812/mo
Today · 4.125%
HK$31,455
baseline
▲ 0.50% · 4.625%
HK$33,113
+HK$1,658/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,910/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,296
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,270
−HK$989/mo
Today · 4.125%
HK$33,259
baseline
▲ 0.50% · 4.625%
HK$35,282
+HK$2,023/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,518/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,817
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,750
−HK$948/mo
Today · 4.125%
HK$36,698
baseline
▲ 0.50% · 4.625%
HK$38,632
+HK$1,934/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,396/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,238
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,490
−HK$1,271/mo
Today · 4.125%
HK$42,761
baseline
▲ 0.50% · 4.625%
HK$45,363
+HK$2,602/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,522/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,764
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,965
−HK$1,218/mo
Today · 4.125%
HK$47,183
baseline
▲ 0.50% · 4.625%
HK$49,670
+HK$2,487/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,366/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,348 · 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).