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$22,363
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,059
−HK$707/mo
Today · 4.125%
HK$23,766
baseline
▲ 0.50% · 4.625%
HK$25,212
+HK$1,446/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,532/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,879
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,546
−HK$677/mo
Today · 4.125%
HK$26,223
baseline
▲ 0.50% · 4.625%
HK$27,605
+HK$1,382/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,446/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,836
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,671
−HK$848/mo
Today · 4.125%
HK$28,519
baseline
▲ 0.50% · 4.625%
HK$30,254
+HK$1,735/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$57,038/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,855
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,656
−HK$812/mo
Today · 4.125%
HK$31,468
baseline
▲ 0.50% · 4.625%
HK$33,127
+HK$1,659/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,936/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,309
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,283
−HK$989/mo
Today · 4.125%
HK$33,272
baseline
▲ 0.50% · 4.625%
HK$35,297
+HK$2,025/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,544/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,831
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,765
−HK$947/mo
Today · 4.125%
HK$36,712
baseline
▲ 0.50% · 4.625%
HK$38,648
+HK$1,936/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,424/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,254
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,506
−HK$1,272/mo
Today · 4.125%
HK$42,778
baseline
▲ 0.50% · 4.625%
HK$45,381
+HK$2,603/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,556/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,782
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,983
−HK$1,219/mo
Today · 4.125%
HK$47,202
baseline
▲ 0.50% · 4.625%
HK$49,690
+HK$2,488/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,404/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,742 · 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).