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$22,335
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,029
−HK$706/mo
Today · 4.125%
HK$23,735
baseline
▲ 0.50% · 4.625%
HK$25,179
+HK$1,444/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,470/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,847
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,513
−HK$676/mo
Today · 4.125%
HK$26,189
baseline
▲ 0.50% · 4.625%
HK$27,570
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,378/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,802
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,635
−HK$847/mo
Today · 4.125%
HK$28,482
baseline
▲ 0.50% · 4.625%
HK$30,215
+HK$1,733/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$56,964/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,816
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,616
−HK$811/mo
Today · 4.125%
HK$31,427
baseline
▲ 0.50% · 4.625%
HK$33,084
+HK$1,657/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,854/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,268
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,241
−HK$988/mo
Today · 4.125%
HK$33,229
baseline
▲ 0.50% · 4.625%
HK$35,251
+HK$2,022/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,458/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,786
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,719
−HK$946/mo
Today · 4.125%
HK$36,665
baseline
▲ 0.50% · 4.625%
HK$38,598
+HK$1,933/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,330/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,202
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,453
−HK$1,270/mo
Today · 4.125%
HK$42,723
baseline
▲ 0.50% · 4.625%
HK$45,323
+HK$2,600/mo
Deposit HK$979K · loan HK$8.82M · min. income ≈ HK$85,446/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,725
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,924
−HK$1,217/mo
Today · 4.125%
HK$47,141
baseline
▲ 0.50% · 4.625%
HK$49,626
+HK$2,485/mo
Deposit HK$979K · loan HK$8.82M · min. income ≈ HK$94,282/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,479 · 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).