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$22,338
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,033
−HK$706/mo
Today · 4.125%
HK$23,739
baseline
▲ 0.50% · 4.625%
HK$25,183
+HK$1,444/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,478/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,851
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,517
−HK$676/mo
Today · 4.125%
HK$26,193
baseline
▲ 0.50% · 4.625%
HK$27,574
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,386/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,805
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,639
−HK$847/mo
Today · 4.125%
HK$28,486
baseline
▲ 0.50% · 4.625%
HK$30,220
+HK$1,734/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$56,972/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,821
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,621
−HK$811/mo
Today · 4.125%
HK$31,432
baseline
▲ 0.50% · 4.625%
HK$33,089
+HK$1,657/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,864/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,273
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,246
−HK$988/mo
Today · 4.125%
HK$33,234
baseline
▲ 0.50% · 4.625%
HK$35,256
+HK$2,022/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,468/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,791
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,724
−HK$947/mo
Today · 4.125%
HK$36,671
baseline
▲ 0.50% · 4.625%
HK$38,603
+HK$1,932/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,342/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,208
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,459
−HK$1,271/mo
Today · 4.125%
HK$42,730
baseline
▲ 0.50% · 4.625%
HK$45,330
+HK$2,600/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,460/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,731
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,931
−HK$1,217/mo
Today · 4.125%
HK$47,148
baseline
▲ 0.50% · 4.625%
HK$49,633
+HK$2,485/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,296/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,620 · 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).