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$22,355
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,051
−HK$706/mo
Today · 4.125%
HK$23,757
baseline
▲ 0.50% · 4.625%
HK$25,203
+HK$1,446/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,514/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,870
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,537
−HK$677/mo
Today · 4.125%
HK$26,214
baseline
▲ 0.50% · 4.625%
HK$27,595
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,428/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,826
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,661
−HK$847/mo
Today · 4.125%
HK$28,508
baseline
▲ 0.50% · 4.625%
HK$30,243
+HK$1,735/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$57,016/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,844
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,644
−HK$812/mo
Today · 4.125%
HK$31,456
baseline
▲ 0.50% · 4.625%
HK$33,114
+HK$1,658/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,912/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,297
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,271
−HK$989/mo
Today · 4.125%
HK$33,260
baseline
▲ 0.50% · 4.625%
HK$35,284
+HK$2,024/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,520/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,818
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,752
−HK$947/mo
Today · 4.125%
HK$36,699
baseline
▲ 0.50% · 4.625%
HK$38,633
+HK$1,934/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,398/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,239
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,491
−HK$1,272/mo
Today · 4.125%
HK$42,763
baseline
▲ 0.50% · 4.625%
HK$45,365
+HK$2,602/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,526/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,766
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,966
−HK$1,218/mo
Today · 4.125%
HK$47,184
baseline
▲ 0.50% · 4.625%
HK$49,672
+HK$2,488/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,368/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,381 · 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).