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$22,352
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,047
−HK$706/mo
Today · 4.125%
HK$23,753
baseline
▲ 0.50% · 4.625%
HK$25,199
+HK$1,446/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,506/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,866
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,533
−HK$676/mo
Today · 4.125%
HK$26,209
baseline
▲ 0.50% · 4.625%
HK$27,591
+HK$1,382/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,418/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$350,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,822
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,656
−HK$848/mo
Today · 4.125%
HK$28,504
baseline
▲ 0.50% · 4.625%
HK$30,238
+HK$1,734/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$57,008/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,839
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,639
−HK$812/mo
Today · 4.125%
HK$31,451
baseline
▲ 0.50% · 4.625%
HK$33,109
+HK$1,658/mo
Deposit HK$3.92M · loan HK$5.88M · min. income ≈ HK$62,902/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,292
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,266
−HK$988/mo
Today · 4.125%
HK$33,254
baseline
▲ 0.50% · 4.625%
HK$35,278
+HK$2,024/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$66,508/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,812
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,746
−HK$947/mo
Today · 4.125%
HK$36,693
baseline
▲ 0.50% · 4.625%
HK$38,627
+HK$1,934/mo
Deposit HK$2.94M · loan HK$6.86M · min. income ≈ HK$73,386/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,233
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,484
−HK$1,272/mo
Today · 4.125%
HK$42,756
baseline
▲ 0.50% · 4.625%
HK$45,357
+HK$2,601/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$85,512/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,759
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,959
−HK$1,218/mo
Today · 4.125%
HK$47,177
baseline
▲ 0.50% · 4.625%
HK$49,663
+HK$2,486/mo
Deposit HK$980K · loan HK$8.82M · min. income ≈ HK$94,354/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,221 · 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).