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$22,339
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,034
−HK$706/mo
Today · 4.125%
HK$23,740
baseline
▲ 0.50% · 4.625%
HK$25,185
+HK$1,445/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,480/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,852
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,519
−HK$676/mo
Today · 4.125%
HK$26,195
baseline
▲ 0.50% · 4.625%
HK$27,576
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,390/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,807
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,641
−HK$847/mo
Today · 4.125%
HK$28,488
baseline
▲ 0.50% · 4.625%
HK$30,221
+HK$1,733/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$56,976/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,823
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,622
−HK$812/mo
Today · 4.125%
HK$31,434
baseline
▲ 0.50% · 4.625%
HK$33,091
+HK$1,657/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,868/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,275
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,248
−HK$988/mo
Today · 4.125%
HK$33,236
baseline
▲ 0.50% · 4.625%
HK$35,258
+HK$2,022/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,472/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,793
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,726
−HK$947/mo
Today · 4.125%
HK$36,673
baseline
▲ 0.50% · 4.625%
HK$38,606
+HK$1,933/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,346/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,211
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,461
−HK$1,271/mo
Today · 4.125%
HK$42,732
baseline
▲ 0.50% · 4.625%
HK$45,332
+HK$2,600/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,464/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,734
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,934
−HK$1,217/mo
Today · 4.125%
HK$47,151
baseline
▲ 0.50% · 4.625%
HK$49,636
+HK$2,485/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,302/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,679 · 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).