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$22,353
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,048
−HK$707/mo
Today · 4.125%
HK$23,755
baseline
▲ 0.50% · 4.625%
HK$25,200
+HK$1,445/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,510/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,867
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,534
−HK$677/mo
Today · 4.125%
HK$26,211
baseline
▲ 0.50% · 4.625%
HK$27,592
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,422/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,823
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,658
−HK$847/mo
Today · 4.125%
HK$28,505
baseline
▲ 0.50% · 4.625%
HK$30,240
+HK$1,735/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$57,010/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,841
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,641
−HK$812/mo
Today · 4.125%
HK$31,453
baseline
▲ 0.50% · 4.625%
HK$33,111
+HK$1,658/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,906/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,294
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,267
−HK$989/mo
Today · 4.125%
HK$33,256
baseline
▲ 0.50% · 4.625%
HK$35,280
+HK$2,024/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,512/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,814
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,748
−HK$947/mo
Today · 4.125%
HK$36,695
baseline
▲ 0.50% · 4.625%
HK$38,629
+HK$1,934/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,390/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,235
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,487
−HK$1,271/mo
Today · 4.125%
HK$42,758
baseline
▲ 0.50% · 4.625%
HK$45,360
+HK$2,602/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,516/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,761
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,962
−HK$1,217/mo
Today · 4.125%
HK$47,179
baseline
▲ 0.50% · 4.625%
HK$49,666
+HK$2,487/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,358/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,275 · 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).