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$22,349
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,044
−HK$706/mo
Today · 4.125%
HK$23,750
baseline
▲ 0.50% · 4.625%
HK$25,196
+HK$1,446/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,500/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,863
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,530
−HK$676/mo
Today · 4.125%
HK$26,206
baseline
▲ 0.50% · 4.625%
HK$27,588
+HK$1,382/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,412/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,819
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,653
−HK$848/mo
Today · 4.125%
HK$28,501
baseline
▲ 0.50% · 4.625%
HK$30,235
+HK$1,734/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$57,002/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,836
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,636
−HK$812/mo
Today · 4.125%
HK$31,448
baseline
▲ 0.50% · 4.625%
HK$33,105
+HK$1,657/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,896/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,289
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,262
−HK$989/mo
Today · 4.125%
HK$33,251
baseline
▲ 0.50% · 4.625%
HK$35,274
+HK$2,023/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,502/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,808
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,742
−HK$947/mo
Today · 4.125%
HK$36,689
baseline
▲ 0.50% · 4.625%
HK$38,623
+HK$1,934/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,378/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,228
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,479
−HK$1,272/mo
Today · 4.125%
HK$42,751
baseline
▲ 0.50% · 4.625%
HK$45,352
+HK$2,601/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,502/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,753
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,954
−HK$1,217/mo
Today · 4.125%
HK$47,171
baseline
▲ 0.50% · 4.625%
HK$49,658
+HK$2,487/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,342/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,109 · 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).