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$22,344
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,039
−HK$707/mo
Today · 4.125%
HK$23,746
baseline
▲ 0.50% · 4.625%
HK$25,190
+HK$1,444/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,492/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,858
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,525
−HK$676/mo
Today · 4.125%
HK$26,201
baseline
▲ 0.50% · 4.625%
HK$27,582
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,402/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,813
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,647
−HK$848/mo
Today · 4.125%
HK$28,495
baseline
▲ 0.50% · 4.625%
HK$30,229
+HK$1,734/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$56,990/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,829
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,629
−HK$812/mo
Today · 4.125%
HK$31,441
baseline
▲ 0.50% · 4.625%
HK$33,098
+HK$1,657/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,882/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,282
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,255
−HK$989/mo
Today · 4.125%
HK$33,244
baseline
▲ 0.50% · 4.625%
HK$35,267
+HK$2,023/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,488/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,801
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,734
−HK$947/mo
Today · 4.125%
HK$36,681
baseline
▲ 0.50% · 4.625%
HK$38,615
+HK$1,934/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,362/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,220
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,471
−HK$1,271/mo
Today · 4.125%
HK$42,742
baseline
▲ 0.50% · 4.625%
HK$45,343
+HK$2,601/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,484/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,744
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,944
−HK$1,218/mo
Today · 4.125%
HK$47,162
baseline
▲ 0.50% · 4.625%
HK$49,648
+HK$2,486/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,324/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,907 · 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).