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$22,346
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,041
−HK$706/mo
Today · 4.125%
HK$23,747
baseline
▲ 0.50% · 4.625%
HK$25,192
+HK$1,445/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,494/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,859
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,526
−HK$676/mo
Today · 4.125%
HK$26,202
baseline
▲ 0.50% · 4.625%
HK$27,584
+HK$1,382/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,404/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,815
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,649
−HK$847/mo
Today · 4.125%
HK$28,496
baseline
▲ 0.50% · 4.625%
HK$30,230
+HK$1,734/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$56,992/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,831
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,631
−HK$812/mo
Today · 4.125%
HK$31,443
baseline
▲ 0.50% · 4.625%
HK$33,100
+HK$1,657/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,886/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,284
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,257
−HK$989/mo
Today · 4.125%
HK$33,246
baseline
▲ 0.50% · 4.625%
HK$35,269
+HK$2,023/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,492/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,803
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,736
−HK$947/mo
Today · 4.125%
HK$36,683
baseline
▲ 0.50% · 4.625%
HK$38,617
+HK$1,934/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,366/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,222
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,473
−HK$1,271/mo
Today · 4.125%
HK$42,744
baseline
▲ 0.50% · 4.625%
HK$45,345
+HK$2,601/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,488/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,747
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,947
−HK$1,217/mo
Today · 4.125%
HK$47,164
baseline
▲ 0.50% · 4.625%
HK$49,650
+HK$2,486/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,328/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,963 · 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).