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$22,340
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,034
−HK$706/mo
Today · 4.125%
HK$23,740
baseline
▲ 0.50% · 4.625%
HK$25,185
+HK$1,445/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,480/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,853
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,519
−HK$676/mo
Today · 4.125%
HK$26,195
baseline
▲ 0.50% · 4.625%
HK$27,576
+HK$1,381/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,390/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$349,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,808
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,641
−HK$848/mo
Today · 4.125%
HK$28,489
baseline
▲ 0.50% · 4.625%
HK$30,222
+HK$1,733/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$56,978/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,823
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,623
−HK$811/mo
Today · 4.125%
HK$31,434
baseline
▲ 0.50% · 4.625%
HK$33,091
+HK$1,657/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,868/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$349,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,275
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,248
−HK$989/mo
Today · 4.125%
HK$33,237
baseline
▲ 0.50% · 4.625%
HK$35,259
+HK$2,022/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,474/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,794
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,727
−HK$946/mo
Today · 4.125%
HK$36,673
baseline
▲ 0.50% · 4.625%
HK$38,607
+HK$1,934/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,346/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$349,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,211
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,462
−HK$1,271/mo
Today · 4.125%
HK$42,733
baseline
▲ 0.50% · 4.625%
HK$45,333
+HK$2,600/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,466/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,735
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,934
−HK$1,218/mo
Today · 4.125%
HK$47,152
baseline
▲ 0.50% · 4.625%
HK$49,637
+HK$2,485/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,304/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$349,697 · 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).