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$22,351
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,046
−HK$707/mo
Today · 4.125%
HK$23,753
baseline
▲ 0.50% · 4.625%
HK$25,198
+HK$1,445/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,506/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,865
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,532
−HK$677/mo
Today · 4.125%
HK$26,209
baseline
▲ 0.50% · 4.625%
HK$27,590
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,418/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,821
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,656
−HK$847/mo
Today · 4.125%
HK$28,503
baseline
▲ 0.50% · 4.625%
HK$30,238
+HK$1,735/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$57,006/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,838
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,639
−HK$812/mo
Today · 4.125%
HK$31,451
baseline
▲ 0.50% · 4.625%
HK$33,108
+HK$1,657/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,902/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,292
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,265
−HK$989/mo
Today · 4.125%
HK$33,254
baseline
▲ 0.50% · 4.625%
HK$35,277
+HK$2,023/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,508/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,812
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,745
−HK$947/mo
Today · 4.125%
HK$36,692
baseline
▲ 0.50% · 4.625%
HK$38,626
+HK$1,934/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,384/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,232
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,483
−HK$1,272/mo
Today · 4.125%
HK$42,755
baseline
▲ 0.50% · 4.625%
HK$45,356
+HK$2,601/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,510/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,758
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,958
−HK$1,218/mo
Today · 4.125%
HK$47,176
baseline
▲ 0.50% · 4.625%
HK$49,663
+HK$2,487/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,352/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,203 · 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).