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$22,336
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,030
−HK$706/mo
Today · 4.125%
HK$23,736
baseline
▲ 0.50% · 4.625%
HK$25,180
+HK$1,444/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,472/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,848
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,514
−HK$677/mo
Today · 4.125%
HK$26,191
baseline
▲ 0.50% · 4.625%
HK$27,571
+HK$1,380/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,382/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,803
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,636
−HK$847/mo
Today · 4.125%
HK$28,483
baseline
▲ 0.50% · 4.625%
HK$30,217
+HK$1,734/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$56,966/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,818
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,617
−HK$812/mo
Today · 4.125%
HK$31,429
baseline
▲ 0.50% · 4.625%
HK$33,085
+HK$1,656/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,858/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,270
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,242
−HK$989/mo
Today · 4.125%
HK$33,231
baseline
▲ 0.50% · 4.625%
HK$35,253
+HK$2,022/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,462/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,787
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,720
−HK$947/mo
Today · 4.125%
HK$36,667
baseline
▲ 0.50% · 4.625%
HK$38,599
+HK$1,932/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,334/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,204
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,455
−HK$1,270/mo
Today · 4.125%
HK$42,725
baseline
▲ 0.50% · 4.625%
HK$45,325
+HK$2,600/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,450/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,727
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,926
−HK$1,217/mo
Today · 4.125%
HK$47,143
baseline
▲ 0.50% · 4.625%
HK$49,628
+HK$2,485/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,286/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,519 · 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).