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$22,329
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,024
−HK$705/mo
Today · 4.125%
HK$23,729
baseline
▲ 0.50% · 4.625%
HK$25,173
+HK$1,444/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,458/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,841
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,507
−HK$676/mo
Today · 4.125%
HK$26,183
baseline
▲ 0.50% · 4.625%
HK$27,563
+HK$1,380/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,366/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,795
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,629
−HK$846/mo
Today · 4.125%
HK$28,475
baseline
▲ 0.50% · 4.625%
HK$30,208
+HK$1,733/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$56,950/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,809
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,609
−HK$811/mo
Today · 4.125%
HK$31,420
baseline
▲ 0.50% · 4.625%
HK$33,076
+HK$1,656/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,840/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,261
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,233
−HK$988/mo
Today · 4.125%
HK$33,221
baseline
▲ 0.50% · 4.625%
HK$35,243
+HK$2,022/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,442/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,777
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,710
−HK$946/mo
Today · 4.125%
HK$36,656
baseline
▲ 0.50% · 4.625%
HK$38,589
+HK$1,933/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,312/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,193
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,443
−HK$1,270/mo
Today · 4.125%
HK$42,713
baseline
▲ 0.50% · 4.625%
HK$45,312
+HK$2,599/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,426/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,714
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,913
−HK$1,217/mo
Today · 4.125%
HK$47,130
baseline
▲ 0.50% · 4.625%
HK$49,614
+HK$2,484/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,260/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,242 · 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).