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$25,184
+HK$1,444/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$349,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,852
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,518
−HK$676/mo
Today · 4.125%
HK$26,194
baseline
▲ 0.50% · 4.625%
HK$27,575
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,388/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,807
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,640
−HK$848/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$349,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,822
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,622
−HK$811/mo
Today · 4.125%
HK$31,433
baseline
▲ 0.50% · 4.625%
HK$33,090
+HK$1,657/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,866/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,274
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,247
−HK$988/mo
Today · 4.125%
HK$33,235
baseline
▲ 0.50% · 4.625%
HK$35,258
+HK$2,023/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,470/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,792
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,725
−HK$947/mo
Today · 4.125%
HK$36,672
baseline
▲ 0.50% · 4.625%
HK$38,605
+HK$1,933/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,344/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,210
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,461
−HK$1,270/mo
Today · 4.125%
HK$42,731
baseline
▲ 0.50% · 4.625%
HK$45,331
+HK$2,600/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,462/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,733
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,933
−HK$1,217/mo
Today · 4.125%
HK$47,150
baseline
▲ 0.50% · 4.625%
HK$49,635
+HK$2,485/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,300/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,662 · 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).