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$22,350
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,046
−HK$706/mo
Today · 4.125%
HK$23,752
baseline
▲ 0.50% · 4.625%
HK$25,197
+HK$1,445/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,504/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,865
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,531
−HK$677/mo
Today · 4.125%
HK$26,208
baseline
▲ 0.50% · 4.625%
HK$27,589
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,416/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,820
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,655
−HK$847/mo
Today · 4.125%
HK$28,502
baseline
▲ 0.50% · 4.625%
HK$30,237
+HK$1,735/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$57,004/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,838
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,638
−HK$812/mo
Today · 4.125%
HK$31,450
baseline
▲ 0.50% · 4.625%
HK$33,107
+HK$1,657/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,900/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,291
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,264
−HK$989/mo
Today · 4.125%
HK$33,253
baseline
▲ 0.50% · 4.625%
HK$35,276
+HK$2,023/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,506/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,810
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,744
−HK$947/mo
Today · 4.125%
HK$36,691
baseline
▲ 0.50% · 4.625%
HK$38,625
+HK$1,934/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,382/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,231
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,482
−HK$1,272/mo
Today · 4.125%
HK$42,754
baseline
▲ 0.50% · 4.625%
HK$45,355
+HK$2,601/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,508/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,756
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,957
−HK$1,217/mo
Today · 4.125%
HK$47,174
baseline
▲ 0.50% · 4.625%
HK$49,661
+HK$2,487/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,348/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,171 · 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).