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$22,347
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,042
−HK$706/mo
Today · 4.125%
HK$23,748
baseline
▲ 0.50% · 4.625%
HK$25,193
+HK$1,445/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,496/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,861
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,527
−HK$677/mo
Today · 4.125%
HK$26,204
baseline
▲ 0.50% · 4.625%
HK$27,585
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,408/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,816
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,650
−HK$848/mo
Today · 4.125%
HK$28,498
baseline
▲ 0.50% · 4.625%
HK$30,232
+HK$1,734/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$56,996/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,833
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,633
−HK$811/mo
Today · 4.125%
HK$31,444
baseline
▲ 0.50% · 4.625%
HK$33,102
+HK$1,658/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,888/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,286
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,259
−HK$988/mo
Today · 4.125%
HK$33,247
baseline
▲ 0.50% · 4.625%
HK$35,270
+HK$2,023/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,494/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,805
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,738
−HK$947/mo
Today · 4.125%
HK$36,685
baseline
▲ 0.50% · 4.625%
HK$38,619
+HK$1,934/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,370/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,224
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,475
−HK$1,272/mo
Today · 4.125%
HK$42,747
baseline
▲ 0.50% · 4.625%
HK$45,348
+HK$2,601/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,494/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,749
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,949
−HK$1,218/mo
Today · 4.125%
HK$47,167
baseline
▲ 0.50% · 4.625%
HK$49,653
+HK$2,486/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,334/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,014 · 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).