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$22,343
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,038
−HK$706/mo
Today · 4.125%
HK$23,744
baseline
▲ 0.50% · 4.625%
HK$25,189
+HK$1,445/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,488/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,857
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,523
−HK$677/mo
Today · 4.125%
HK$26,200
baseline
▲ 0.50% · 4.625%
HK$27,581
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,400/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,812
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,646
−HK$847/mo
Today · 4.125%
HK$28,493
baseline
▲ 0.50% · 4.625%
HK$30,227
+HK$1,734/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$56,986/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,828
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,628
−HK$812/mo
Today · 4.125%
HK$31,440
baseline
▲ 0.50% · 4.625%
HK$33,097
+HK$1,657/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,880/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,281
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,254
−HK$988/mo
Today · 4.125%
HK$33,242
baseline
▲ 0.50% · 4.625%
HK$35,265
+HK$2,023/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,484/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,799
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,733
−HK$946/mo
Today · 4.125%
HK$36,679
baseline
▲ 0.50% · 4.625%
HK$38,613
+HK$1,934/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,358/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,218
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,469
−HK$1,271/mo
Today · 4.125%
HK$42,740
baseline
▲ 0.50% · 4.625%
HK$45,341
+HK$2,601/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,480/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,742
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,942
−HK$1,217/mo
Today · 4.125%
HK$47,159
baseline
▲ 0.50% · 4.625%
HK$49,645
+HK$2,486/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,318/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,858 · 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).