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$21,423
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,090
−HK$677/mo
Today · 4.125%
HK$22,767
baseline
▲ 0.50% · 4.625%
HK$24,152
+HK$1,385/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,534/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,833
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,472
−HK$649/mo
Today · 4.125%
HK$25,121
baseline
▲ 0.50% · 4.625%
HK$26,445
+HK$1,324/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,242/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,708
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,508
−HK$812/mo
Today · 4.125%
HK$27,320
baseline
▲ 0.50% · 4.625%
HK$28,982
+HK$1,662/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,640/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,600
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,367
−HK$778/mo
Today · 4.125%
HK$30,145
baseline
▲ 0.50% · 4.625%
HK$31,734
+HK$1,589/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,290/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,992
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,925
−HK$948/mo
Today · 4.125%
HK$31,873
baseline
▲ 0.50% · 4.625%
HK$33,813
+HK$1,940/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,746/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,366
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,261
−HK$908/mo
Today · 4.125%
HK$35,169
baseline
▲ 0.50% · 4.625%
HK$37,023
+HK$1,854/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,338/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,562
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,761
−HK$1,219/mo
Today · 4.125%
HK$40,980
baseline
▲ 0.50% · 4.625%
HK$43,473
+HK$2,493/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$81,960/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,900
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,050
−HK$1,167/mo
Today · 4.125%
HK$45,217
baseline
▲ 0.50% · 4.625%
HK$47,601
+HK$2,384/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,434/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,509 · 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).