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$21,420
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,087
−HK$677/mo
Today · 4.125%
HK$22,764
baseline
▲ 0.50% · 4.625%
HK$24,149
+HK$1,385/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,528/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,830
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,469
−HK$648/mo
Today · 4.125%
HK$25,117
baseline
▲ 0.50% · 4.625%
HK$26,441
+HK$1,324/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,234/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,704
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,504
−HK$812/mo
Today · 4.125%
HK$27,316
baseline
▲ 0.50% · 4.625%
HK$28,978
+HK$1,662/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,632/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,596
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,363
−HK$778/mo
Today · 4.125%
HK$30,141
baseline
▲ 0.50% · 4.625%
HK$31,730
+HK$1,589/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,282/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,988
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,921
−HK$948/mo
Today · 4.125%
HK$31,869
baseline
▲ 0.50% · 4.625%
HK$33,808
+HK$1,939/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,738/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,362
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,257
−HK$907/mo
Today · 4.125%
HK$35,164
baseline
▲ 0.50% · 4.625%
HK$37,018
+HK$1,854/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,328/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,557
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,756
−HK$1,218/mo
Today · 4.125%
HK$40,974
baseline
▲ 0.50% · 4.625%
HK$43,468
+HK$2,494/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,948/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,894
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,044
−HK$1,167/mo
Today · 4.125%
HK$45,211
baseline
▲ 0.50% · 4.625%
HK$47,594
+HK$2,383/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,422/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,383 · 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).