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$22,349
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,044
−HK$706/mo
Today · 4.125%
HK$23,750
baseline
▲ 0.50% · 4.625%
HK$25,195
+HK$1,445/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,500/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,863
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,530
−HK$676/mo
Today · 4.125%
HK$26,206
baseline
▲ 0.50% · 4.625%
HK$27,587
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,412/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,818
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,653
−HK$847/mo
Today · 4.125%
HK$28,500
baseline
▲ 0.50% · 4.625%
HK$30,234
+HK$1,734/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$57,000/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,835
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,635
−HK$812/mo
Today · 4.125%
HK$31,447
baseline
▲ 0.50% · 4.625%
HK$33,105
+HK$1,658/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,894/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,288
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,261
−HK$989/mo
Today · 4.125%
HK$33,250
baseline
▲ 0.50% · 4.625%
HK$35,273
+HK$2,023/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,500/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,808
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,741
−HK$947/mo
Today · 4.125%
HK$36,688
baseline
▲ 0.50% · 4.625%
HK$38,622
+HK$1,934/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,376/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,228
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,479
−HK$1,271/mo
Today · 4.125%
HK$42,750
baseline
▲ 0.50% · 4.625%
HK$45,352
+HK$2,602/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,500/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,753
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,953
−HK$1,218/mo
Today · 4.125%
HK$47,171
baseline
▲ 0.50% · 4.625%
HK$49,657
+HK$2,486/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,342/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,097 · 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).