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$22,366
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,062
−HK$706/mo
Today · 4.125%
HK$23,768
baseline
▲ 0.50% · 4.625%
HK$25,215
+HK$1,447/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,536/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$350,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,882
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,549
−HK$677/mo
Today · 4.125%
HK$26,226
baseline
▲ 0.50% · 4.625%
HK$27,609
+HK$1,383/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,452/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$350,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,839
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,674
−HK$848/mo
Today · 4.125%
HK$28,522
baseline
▲ 0.50% · 4.625%
HK$30,258
+HK$1,736/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$57,044/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,858
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,659
−HK$812/mo
Today · 4.125%
HK$31,471
baseline
▲ 0.50% · 4.625%
HK$33,130
+HK$1,659/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$62,942/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,312
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,286
−HK$990/mo
Today · 4.125%
HK$33,276
baseline
▲ 0.50% · 4.625%
HK$35,301
+HK$2,025/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,552/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,835
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,769
−HK$948/mo
Today · 4.125%
HK$36,717
baseline
▲ 0.50% · 4.625%
HK$38,652
+HK$1,935/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,434/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,259
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,511
−HK$1,272/mo
Today · 4.125%
HK$42,783
baseline
▲ 0.50% · 4.625%
HK$45,386
+HK$2,603/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,566/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,787
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,989
−HK$1,218/mo
Today · 4.125%
HK$47,207
baseline
▲ 0.50% · 4.625%
HK$49,695
+HK$2,488/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,414/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,851 · 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).