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$22,331
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,026
−HK$705/mo
Today · 4.125%
HK$23,731
baseline
▲ 0.50% · 4.625%
HK$25,175
+HK$1,444/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,462/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,843
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,509
−HK$676/mo
Today · 4.125%
HK$26,185
baseline
▲ 0.50% · 4.625%
HK$27,566
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,370/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,797
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,631
−HK$847/mo
Today · 4.125%
HK$28,478
baseline
▲ 0.50% · 4.625%
HK$30,210
+HK$1,732/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$56,956/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,812
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,611
−HK$811/mo
Today · 4.125%
HK$31,422
baseline
▲ 0.50% · 4.625%
HK$33,079
+HK$1,657/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,844/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,263
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,236
−HK$988/mo
Today · 4.125%
HK$33,224
baseline
▲ 0.50% · 4.625%
HK$35,246
+HK$2,022/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,448/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,780
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,713
−HK$946/mo
Today · 4.125%
HK$36,659
baseline
▲ 0.50% · 4.625%
HK$38,592
+HK$1,933/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,318/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,196
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,446
−HK$1,271/mo
Today · 4.125%
HK$42,717
baseline
▲ 0.50% · 4.625%
HK$45,316
+HK$2,599/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,434/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,718
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,917
−HK$1,216/mo
Today · 4.125%
HK$47,133
baseline
▲ 0.50% · 4.625%
HK$49,618
+HK$2,485/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,266/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,322 · 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).