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$21,443
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,111
−HK$677/mo
Today · 4.125%
HK$22,788
baseline
▲ 0.50% · 4.625%
HK$24,175
+HK$1,387/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,576/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,856
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,495
−HK$650/mo
Today · 4.125%
HK$25,145
baseline
▲ 0.50% · 4.625%
HK$26,470
+HK$1,325/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,290/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,732
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,533
−HK$813/mo
Today · 4.125%
HK$27,346
baseline
▲ 0.50% · 4.625%
HK$29,010
+HK$1,664/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,692/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,627
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,395
−HK$778/mo
Today · 4.125%
HK$30,173
baseline
▲ 0.50% · 4.625%
HK$31,764
+HK$1,591/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,346/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,021
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,955
−HK$948/mo
Today · 4.125%
HK$31,903
baseline
▲ 0.50% · 4.625%
HK$33,845
+HK$1,942/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,806/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,398
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,294
−HK$908/mo
Today · 4.125%
HK$35,202
baseline
▲ 0.50% · 4.625%
HK$37,058
+HK$1,856/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,404/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,598
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,799
−HK$1,220/mo
Today · 4.125%
HK$41,019
baseline
▲ 0.50% · 4.625%
HK$43,515
+HK$2,496/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$82,038/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,940
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,092
−HK$1,168/mo
Today · 4.125%
HK$45,260
baseline
▲ 0.50% · 4.625%
HK$47,646
+HK$2,386/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,520/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,399 · 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).