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$21,441
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,108
−HK$677/mo
Today · 4.125%
HK$22,785
baseline
▲ 0.50% · 4.625%
HK$24,172
+HK$1,387/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,570/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,852
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,492
−HK$649/mo
Today · 4.125%
HK$25,141
baseline
▲ 0.50% · 4.625%
HK$26,466
+HK$1,325/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,282/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,729
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,529
−HK$813/mo
Today · 4.125%
HK$27,342
baseline
▲ 0.50% · 4.625%
HK$29,006
+HK$1,664/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,684/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,623
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,391
−HK$778/mo
Today · 4.125%
HK$30,169
baseline
▲ 0.50% · 4.625%
HK$31,760
+HK$1,591/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,338/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,017
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,951
−HK$948/mo
Today · 4.125%
HK$31,899
baseline
▲ 0.50% · 4.625%
HK$33,840
+HK$1,941/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,798/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,393
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,289
−HK$909/mo
Today · 4.125%
HK$35,198
baseline
▲ 0.50% · 4.625%
HK$37,053
+HK$1,855/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,396/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,593
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,794
−HK$1,219/mo
Today · 4.125%
HK$41,013
baseline
▲ 0.50% · 4.625%
HK$43,509
+HK$2,496/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$82,026/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,934
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,086
−HK$1,168/mo
Today · 4.125%
HK$45,254
baseline
▲ 0.50% · 4.625%
HK$47,639
+HK$2,385/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,508/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,273 · 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).