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$22,333
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,028
−HK$706/mo
Today · 4.125%
HK$23,734
baseline
▲ 0.50% · 4.625%
HK$25,178
+HK$1,444/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,468/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,846
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,512
−HK$676/mo
Today · 4.125%
HK$26,188
baseline
▲ 0.50% · 4.625%
HK$27,569
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,376/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,800
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,634
−HK$847/mo
Today · 4.125%
HK$28,481
baseline
▲ 0.50% · 4.625%
HK$30,214
+HK$1,733/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$56,962/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,815
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,615
−HK$811/mo
Today · 4.125%
HK$31,426
baseline
▲ 0.50% · 4.625%
HK$33,082
+HK$1,656/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,852/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,267
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,239
−HK$989/mo
Today · 4.125%
HK$33,228
baseline
▲ 0.50% · 4.625%
HK$35,249
+HK$2,021/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,456/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,784
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,717
−HK$946/mo
Today · 4.125%
HK$36,663
baseline
▲ 0.50% · 4.625%
HK$38,596
+HK$1,933/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,326/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,200
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,451
−HK$1,270/mo
Today · 4.125%
HK$42,721
baseline
▲ 0.50% · 4.625%
HK$45,321
+HK$2,600/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,442/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,722
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,922
−HK$1,217/mo
Today · 4.125%
HK$47,139
baseline
▲ 0.50% · 4.625%
HK$49,623
+HK$2,484/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,278/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,430 · 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).