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$1,402/mo
▼ 0.25% · 3.875%
HK$23,042
−HK$707/mo
Today · 4.125%
HK$23,749
baseline
▲ 0.50% · 4.625%
HK$25,194
+HK$1,445/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,498/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,861
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,528
−HK$676/mo
Today · 4.125%
HK$26,204
baseline
▲ 0.50% · 4.625%
HK$27,586
+HK$1,382/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$350,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,817
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,651
−HK$847/mo
Today · 4.125%
HK$28,498
baseline
▲ 0.50% · 4.625%
HK$30,233
+HK$1,735/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$350,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,833
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,634
−HK$811/mo
Today · 4.125%
HK$31,445
baseline
▲ 0.50% · 4.625%
HK$33,103
+HK$1,658/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,890/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,286
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,259
−HK$989/mo
Today · 4.125%
HK$33,248
baseline
▲ 0.50% · 4.625%
HK$35,271
+HK$2,023/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,496/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,806
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,739
−HK$947/mo
Today · 4.125%
HK$36,686
baseline
▲ 0.50% · 4.625%
HK$38,620
+HK$1,934/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,372/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,225
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,476
−HK$1,272/mo
Today · 4.125%
HK$42,748
baseline
▲ 0.50% · 4.625%
HK$45,349
+HK$2,601/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,496/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,750
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,950
−HK$1,218/mo
Today · 4.125%
HK$47,168
baseline
▲ 0.50% · 4.625%
HK$49,654
+HK$2,486/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,336/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,036 · 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).