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$22,359
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,055
−HK$706/mo
Today · 4.125%
HK$23,761
baseline
▲ 0.50% · 4.625%
HK$25,207
+HK$1,446/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,522/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,874
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,542
−HK$676/mo
Today · 4.125%
HK$26,218
baseline
▲ 0.50% · 4.625%
HK$27,600
+HK$1,382/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,436/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,831
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,666
−HK$848/mo
Today · 4.125%
HK$28,514
baseline
▲ 0.50% · 4.625%
HK$30,249
+HK$1,735/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$57,028/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,849
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,650
−HK$812/mo
Today · 4.125%
HK$31,462
baseline
▲ 0.50% · 4.625%
HK$33,120
+HK$1,658/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,924/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,303
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,277
−HK$989/mo
Today · 4.125%
HK$33,266
baseline
▲ 0.50% · 4.625%
HK$35,290
+HK$2,024/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,532/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,824
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,758
−HK$948/mo
Today · 4.125%
HK$36,706
baseline
▲ 0.50% · 4.625%
HK$38,641
+HK$1,935/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,412/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,247
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,499
−HK$1,272/mo
Today · 4.125%
HK$42,771
baseline
▲ 0.50% · 4.625%
HK$45,373
+HK$2,602/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,542/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,774
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,975
−HK$1,218/mo
Today · 4.125%
HK$47,193
baseline
▲ 0.50% · 4.625%
HK$49,681
+HK$2,488/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,386/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,561 · 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).