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$22,352
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,047
−HK$707/mo
Today · 4.125%
HK$23,754
baseline
▲ 0.50% · 4.625%
HK$25,199
+HK$1,445/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,508/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,866
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,533
−HK$677/mo
Today · 4.125%
HK$26,210
baseline
▲ 0.50% · 4.625%
HK$27,591
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,420/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,822
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,657
−HK$847/mo
Today · 4.125%
HK$28,504
baseline
▲ 0.50% · 4.625%
HK$30,239
+HK$1,735/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$57,008/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,840
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,640
−HK$812/mo
Today · 4.125%
HK$31,452
baseline
▲ 0.50% · 4.625%
HK$33,110
+HK$1,658/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,904/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,293
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,266
−HK$989/mo
Today · 4.125%
HK$33,255
baseline
▲ 0.50% · 4.625%
HK$35,279
+HK$2,024/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,510/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,813
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,746
−HK$948/mo
Today · 4.125%
HK$36,694
baseline
▲ 0.50% · 4.625%
HK$38,628
+HK$1,934/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,388/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,233
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,485
−HK$1,271/mo
Today · 4.125%
HK$42,756
baseline
▲ 0.50% · 4.625%
HK$45,358
+HK$2,602/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,512/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,759
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,960
−HK$1,218/mo
Today · 4.125%
HK$47,178
baseline
▲ 0.50% · 4.625%
HK$49,664
+HK$2,486/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,356/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,238 · 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).