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$22,358
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,053
−HK$707/mo
Today · 4.125%
HK$23,760
baseline
▲ 0.50% · 4.625%
HK$25,206
+HK$1,446/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,520/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,873
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,540
−HK$677/mo
Today · 4.125%
HK$26,217
baseline
▲ 0.50% · 4.625%
HK$27,599
+HK$1,382/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,434/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,829
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,664
−HK$848/mo
Today · 4.125%
HK$28,512
baseline
▲ 0.50% · 4.625%
HK$30,247
+HK$1,735/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$57,024/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,848
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,648
−HK$812/mo
Today · 4.125%
HK$31,460
baseline
▲ 0.50% · 4.625%
HK$33,118
+HK$1,658/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,920/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,301
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,275
−HK$989/mo
Today · 4.125%
HK$33,264
baseline
▲ 0.50% · 4.625%
HK$35,288
+HK$2,024/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,528/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,822
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,756
−HK$947/mo
Today · 4.125%
HK$36,703
baseline
▲ 0.50% · 4.625%
HK$38,638
+HK$1,935/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,406/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,244
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,496
−HK$1,272/mo
Today · 4.125%
HK$42,768
baseline
▲ 0.50% · 4.625%
HK$45,370
+HK$2,602/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,536/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,771
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,972
−HK$1,218/mo
Today · 4.125%
HK$47,190
baseline
▲ 0.50% · 4.625%
HK$49,678
+HK$2,488/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,380/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,499 · 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).