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$22,362
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,057
−HK$707/mo
Today · 4.125%
HK$23,764
baseline
▲ 0.50% · 4.625%
HK$25,210
+HK$1,446/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,528/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,877
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,545
−HK$676/mo
Today · 4.125%
HK$26,221
baseline
▲ 0.50% · 4.625%
HK$27,604
+HK$1,383/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,442/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,834
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,669
−HK$848/mo
Today · 4.125%
HK$28,517
baseline
▲ 0.50% · 4.625%
HK$30,252
+HK$1,735/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$57,034/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,853
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,653
−HK$813/mo
Today · 4.125%
HK$31,466
baseline
▲ 0.50% · 4.625%
HK$33,124
+HK$1,658/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,932/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,307
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,280
−HK$990/mo
Today · 4.125%
HK$33,270
baseline
▲ 0.50% · 4.625%
HK$35,294
+HK$2,024/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,540/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,828
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,762
−HK$948/mo
Today · 4.125%
HK$36,710
baseline
▲ 0.50% · 4.625%
HK$38,645
+HK$1,935/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,420/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,251
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,503
−HK$1,272/mo
Today · 4.125%
HK$42,775
baseline
▲ 0.50% · 4.625%
HK$45,378
+HK$2,603/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,550/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,779
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,980
−HK$1,218/mo
Today · 4.125%
HK$47,198
baseline
▲ 0.50% · 4.625%
HK$49,686
+HK$2,488/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,396/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,673 · 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).