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$21,438
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,105
−HK$678/mo
Today · 4.125%
HK$22,783
baseline
▲ 0.50% · 4.625%
HK$24,169
+HK$1,386/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,566/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,850
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,489
−HK$649/mo
Today · 4.125%
HK$25,138
baseline
▲ 0.50% · 4.625%
HK$26,463
+HK$1,325/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,276/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,726
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,526
−HK$813/mo
Today · 4.125%
HK$27,339
baseline
▲ 0.50% · 4.625%
HK$29,003
+HK$1,664/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,678/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,620
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,387
−HK$779/mo
Today · 4.125%
HK$30,166
baseline
▲ 0.50% · 4.625%
HK$31,756
+HK$1,590/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,332/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,013
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,947
−HK$949/mo
Today · 4.125%
HK$31,896
baseline
▲ 0.50% · 4.625%
HK$33,836
+HK$1,940/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,792/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,390
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,285
−HK$909/mo
Today · 4.125%
HK$35,194
baseline
▲ 0.50% · 4.625%
HK$37,049
+HK$1,855/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,388/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,589
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,789
−HK$1,220/mo
Today · 4.125%
HK$41,009
baseline
▲ 0.50% · 4.625%
HK$43,504
+HK$2,495/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$82,018/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,930
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,081
−HK$1,168/mo
Today · 4.125%
HK$45,249
baseline
▲ 0.50% · 4.625%
HK$47,634
+HK$2,385/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,498/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,165 · 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).