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$22,368
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,063
−HK$707/mo
Today · 4.125%
HK$23,770
baseline
▲ 0.50% · 4.625%
HK$25,217
+HK$1,447/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,540/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$350,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,884
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,551
−HK$677/mo
Today · 4.125%
HK$26,228
baseline
▲ 0.50% · 4.625%
HK$27,611
+HK$1,383/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,456/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$350,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,841
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,676
−HK$848/mo
Today · 4.125%
HK$28,524
baseline
▲ 0.50% · 4.625%
HK$30,260
+HK$1,736/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$57,048/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,861
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,661
−HK$813/mo
Today · 4.125%
HK$31,474
baseline
▲ 0.50% · 4.625%
HK$33,133
+HK$1,659/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$62,948/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,315
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,289
−HK$990/mo
Today · 4.125%
HK$33,279
baseline
▲ 0.50% · 4.625%
HK$35,303
+HK$2,024/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,558/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,837
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,772
−HK$948/mo
Today · 4.125%
HK$36,720
baseline
▲ 0.50% · 4.625%
HK$38,655
+HK$1,935/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,440/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,262
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,514
−HK$1,273/mo
Today · 4.125%
HK$42,787
baseline
▲ 0.50% · 4.625%
HK$45,390
+HK$2,603/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,574/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,791
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,992
−HK$1,219/mo
Today · 4.125%
HK$47,211
baseline
▲ 0.50% · 4.625%
HK$49,699
+HK$2,488/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,422/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,930 · 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).