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$22,367
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,063
−HK$707/mo
Today · 4.125%
HK$23,770
baseline
▲ 0.50% · 4.625%
HK$25,216
+HK$1,446/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,540/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$350,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,883
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,550
−HK$677/mo
Today · 4.125%
HK$26,227
baseline
▲ 0.50% · 4.625%
HK$27,610
+HK$1,383/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,454/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$350,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,840
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,675
−HK$848/mo
Today · 4.125%
HK$28,523
baseline
▲ 0.50% · 4.625%
HK$30,259
+HK$1,736/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$57,046/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,860
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,660
−HK$813/mo
Today · 4.125%
HK$31,473
baseline
▲ 0.50% · 4.625%
HK$33,132
+HK$1,659/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$62,946/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,314
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,288
−HK$989/mo
Today · 4.125%
HK$33,277
baseline
▲ 0.50% · 4.625%
HK$35,302
+HK$2,025/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,554/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,836
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,770
−HK$948/mo
Today · 4.125%
HK$36,718
baseline
▲ 0.50% · 4.625%
HK$38,654
+HK$1,936/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,436/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,260
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,513
−HK$1,272/mo
Today · 4.125%
HK$42,785
baseline
▲ 0.50% · 4.625%
HK$45,389
+HK$2,604/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,570/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,789
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,991
−HK$1,218/mo
Today · 4.125%
HK$47,209
baseline
▲ 0.50% · 4.625%
HK$49,698
+HK$2,489/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,418/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,896 · 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).