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$22,332
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,026
−HK$706/mo
Today · 4.125%
HK$23,732
baseline
▲ 0.50% · 4.625%
HK$25,176
+HK$1,444/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,464/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,844
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,510
−HK$676/mo
Today · 4.125%
HK$26,186
baseline
▲ 0.50% · 4.625%
HK$27,566
+HK$1,380/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,372/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,798
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,632
−HK$846/mo
Today · 4.125%
HK$28,478
baseline
▲ 0.50% · 4.625%
HK$30,211
+HK$1,733/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$56,956/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,812
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,612
−HK$811/mo
Today · 4.125%
HK$31,423
baseline
▲ 0.50% · 4.625%
HK$33,080
+HK$1,657/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,846/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,264
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,237
−HK$988/mo
Today · 4.125%
HK$33,225
baseline
▲ 0.50% · 4.625%
HK$35,247
+HK$2,022/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,450/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,781
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,714
−HK$946/mo
Today · 4.125%
HK$36,660
baseline
▲ 0.50% · 4.625%
HK$38,593
+HK$1,933/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,320/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,197
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,447
−HK$1,271/mo
Today · 4.125%
HK$42,718
baseline
▲ 0.50% · 4.625%
HK$45,317
+HK$2,599/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,436/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,719
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,918
−HK$1,217/mo
Today · 4.125%
HK$47,135
baseline
▲ 0.50% · 4.625%
HK$49,619
+HK$2,484/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,270/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,348 · 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).