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$22,345
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,040
−HK$706/mo
Today · 4.125%
HK$23,746
baseline
▲ 0.50% · 4.625%
HK$25,191
+HK$1,445/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,492/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,858
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,525
−HK$676/mo
Today · 4.125%
HK$26,201
baseline
▲ 0.50% · 4.625%
HK$27,582
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,402/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,814
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,648
−HK$847/mo
Today · 4.125%
HK$28,495
baseline
▲ 0.50% · 4.625%
HK$30,229
+HK$1,734/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$56,990/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,830
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,630
−HK$811/mo
Today · 4.125%
HK$31,441
baseline
▲ 0.50% · 4.625%
HK$33,099
+HK$1,658/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,882/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,283
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,256
−HK$988/mo
Today · 4.125%
HK$33,244
baseline
▲ 0.50% · 4.625%
HK$35,267
+HK$2,023/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,488/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,802
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,735
−HK$947/mo
Today · 4.125%
HK$36,682
baseline
▲ 0.50% · 4.625%
HK$38,615
+HK$1,933/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,364/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,220
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,471
−HK$1,272/mo
Today · 4.125%
HK$42,743
baseline
▲ 0.50% · 4.625%
HK$45,343
+HK$2,600/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,486/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,745
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,945
−HK$1,217/mo
Today · 4.125%
HK$47,162
baseline
▲ 0.50% · 4.625%
HK$49,648
+HK$2,486/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,324/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,920 · 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).