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$21,456
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,123
−HK$678/mo
Today · 4.125%
HK$22,801
baseline
▲ 0.50% · 4.625%
HK$24,189
+HK$1,388/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,602/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$310,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,869
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,510
−HK$649/mo
Today · 4.125%
HK$25,159
baseline
▲ 0.50% · 4.625%
HK$26,485
+HK$1,326/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,318/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$310,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,747
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,548
−HK$814/mo
Today · 4.125%
HK$27,362
baseline
▲ 0.50% · 4.625%
HK$29,027
+HK$1,665/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$54,724/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,643
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,412
−HK$779/mo
Today · 4.125%
HK$30,191
baseline
▲ 0.50% · 4.625%
HK$31,782
+HK$1,591/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$60,382/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,038
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,973
−HK$949/mo
Today · 4.125%
HK$31,922
baseline
▲ 0.50% · 4.625%
HK$33,864
+HK$1,942/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,844/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,417
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,313
−HK$910/mo
Today · 4.125%
HK$35,223
baseline
▲ 0.50% · 4.625%
HK$37,079
+HK$1,856/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,446/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,621
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,822
−HK$1,220/mo
Today · 4.125%
HK$41,042
baseline
▲ 0.50% · 4.625%
HK$43,540
+HK$2,498/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,084/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,965
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,117
−HK$1,169/mo
Today · 4.125%
HK$45,286
baseline
▲ 0.50% · 4.625%
HK$47,673
+HK$2,387/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,572/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,943 · 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).