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$22,355
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,051
−HK$706/mo
Today · 4.125%
HK$23,757
baseline
▲ 0.50% · 4.625%
HK$25,203
+HK$1,446/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,514/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,870
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,537
−HK$677/mo
Today · 4.125%
HK$26,214
baseline
▲ 0.50% · 4.625%
HK$27,596
+HK$1,382/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,428/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,826
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,661
−HK$848/mo
Today · 4.125%
HK$28,509
baseline
▲ 0.50% · 4.625%
HK$30,243
+HK$1,734/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$57,018/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,844
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,645
−HK$812/mo
Today · 4.125%
HK$31,457
baseline
▲ 0.50% · 4.625%
HK$33,115
+HK$1,658/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,914/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,298
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,271
−HK$989/mo
Today · 4.125%
HK$33,260
baseline
▲ 0.50% · 4.625%
HK$35,284
+HK$2,024/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,520/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,818
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,752
−HK$947/mo
Today · 4.125%
HK$36,699
baseline
▲ 0.50% · 4.625%
HK$38,634
+HK$1,935/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,398/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,240
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,491
−HK$1,272/mo
Today · 4.125%
HK$42,763
baseline
▲ 0.50% · 4.625%
HK$45,365
+HK$2,602/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,526/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,766
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,967
−HK$1,218/mo
Today · 4.125%
HK$47,185
baseline
▲ 0.50% · 4.625%
HK$49,672
+HK$2,487/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,370/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,389 · 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).