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$22,364
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,060
−HK$707/mo
Today · 4.125%
HK$23,767
baseline
▲ 0.50% · 4.625%
HK$25,213
+HK$1,446/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,534/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,880
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,548
−HK$676/mo
Today · 4.125%
HK$26,224
baseline
▲ 0.50% · 4.625%
HK$27,607
+HK$1,383/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,448/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,837
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,672
−HK$848/mo
Today · 4.125%
HK$28,520
baseline
▲ 0.50% · 4.625%
HK$30,256
+HK$1,736/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$57,040/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,856
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,657
−HK$812/mo
Today · 4.125%
HK$31,469
baseline
▲ 0.50% · 4.625%
HK$33,128
+HK$1,659/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,938/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,310
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,284
−HK$990/mo
Today · 4.125%
HK$33,274
baseline
▲ 0.50% · 4.625%
HK$35,298
+HK$2,024/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,548/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,832
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,767
−HK$947/mo
Today · 4.125%
HK$36,714
baseline
▲ 0.50% · 4.625%
HK$38,650
+HK$1,936/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,428/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,256
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,508
−HK$1,272/mo
Today · 4.125%
HK$42,780
baseline
▲ 0.50% · 4.625%
HK$45,384
+HK$2,604/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,560/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,784
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,986
−HK$1,218/mo
Today · 4.125%
HK$47,204
baseline
▲ 0.50% · 4.625%
HK$49,692
+HK$2,488/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,408/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,788 · 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).