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$21,451
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,118
−HK$678/mo
Today · 4.125%
HK$22,796
baseline
▲ 0.50% · 4.625%
HK$24,183
+HK$1,387/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,592/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,864
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,504
−HK$649/mo
Today · 4.125%
HK$25,153
baseline
▲ 0.50% · 4.625%
HK$26,479
+HK$1,326/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,306/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,741
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,542
−HK$813/mo
Today · 4.125%
HK$27,355
baseline
▲ 0.50% · 4.625%
HK$29,020
+HK$1,665/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,710/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,637
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,405
−HK$779/mo
Today · 4.125%
HK$30,184
baseline
▲ 0.50% · 4.625%
HK$31,775
+HK$1,591/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,368/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,031
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,965
−HK$950/mo
Today · 4.125%
HK$31,915
baseline
▲ 0.50% · 4.625%
HK$33,856
+HK$1,941/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,830/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,410
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,306
−HK$909/mo
Today · 4.125%
HK$35,215
baseline
▲ 0.50% · 4.625%
HK$37,071
+HK$1,856/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,430/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,612
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,813
−HK$1,220/mo
Today · 4.125%
HK$41,033
baseline
▲ 0.50% · 4.625%
HK$43,530
+HK$2,497/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,066/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,955
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,107
−HK$1,169/mo
Today · 4.125%
HK$45,276
baseline
▲ 0.50% · 4.625%
HK$47,662
+HK$2,386/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,552/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,725 · 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).