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$22,357
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,052
−HK$707/mo
Today · 4.125%
HK$23,759
baseline
▲ 0.50% · 4.625%
HK$25,204
+HK$1,445/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,518/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,872
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,539
−HK$676/mo
Today · 4.125%
HK$26,215
baseline
▲ 0.50% · 4.625%
HK$27,597
+HK$1,382/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,430/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,828
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,663
−HK$848/mo
Today · 4.125%
HK$28,511
baseline
▲ 0.50% · 4.625%
HK$30,245
+HK$1,734/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$57,022/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,846
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,647
−HK$812/mo
Today · 4.125%
HK$31,459
baseline
▲ 0.50% · 4.625%
HK$33,117
+HK$1,658/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,918/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,300
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,273
−HK$989/mo
Today · 4.125%
HK$33,262
baseline
▲ 0.50% · 4.625%
HK$35,286
+HK$2,024/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,524/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,820
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,754
−HK$948/mo
Today · 4.125%
HK$36,702
baseline
▲ 0.50% · 4.625%
HK$38,636
+HK$1,934/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,404/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,242
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,494
−HK$1,272/mo
Today · 4.125%
HK$42,766
baseline
▲ 0.50% · 4.625%
HK$45,368
+HK$2,602/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,532/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,769
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,970
−HK$1,218/mo
Today · 4.125%
HK$47,188
baseline
▲ 0.50% · 4.625%
HK$49,675
+HK$2,487/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,376/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,451 · 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).