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$22,340
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,035
−HK$706/mo
Today · 4.125%
HK$23,741
baseline
▲ 0.50% · 4.625%
HK$25,186
+HK$1,445/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,482/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,854
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,520
−HK$676/mo
Today · 4.125%
HK$26,196
baseline
▲ 0.50% · 4.625%
HK$27,577
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,392/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,809
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,642
−HK$848/mo
Today · 4.125%
HK$28,490
baseline
▲ 0.50% · 4.625%
HK$30,223
+HK$1,733/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$56,980/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,824
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,624
−HK$812/mo
Today · 4.125%
HK$31,436
baseline
▲ 0.50% · 4.625%
HK$33,093
+HK$1,657/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,872/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,277
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,250
−HK$988/mo
Today · 4.125%
HK$33,238
baseline
▲ 0.50% · 4.625%
HK$35,260
+HK$2,022/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,476/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,795
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,728
−HK$947/mo
Today · 4.125%
HK$36,675
baseline
▲ 0.50% · 4.625%
HK$38,608
+HK$1,933/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,350/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,213
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,464
−HK$1,271/mo
Today · 4.125%
HK$42,735
baseline
▲ 0.50% · 4.625%
HK$45,335
+HK$2,600/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,470/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,736
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,936
−HK$1,217/mo
Today · 4.125%
HK$47,153
baseline
▲ 0.50% · 4.625%
HK$49,639
+HK$2,486/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,306/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,736 · 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).