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$21,442
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,109
−HK$678/mo
Today · 4.125%
HK$22,787
baseline
▲ 0.50% · 4.625%
HK$24,174
+HK$1,387/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,574/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,855
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,494
−HK$649/mo
Today · 4.125%
HK$25,143
baseline
▲ 0.50% · 4.625%
HK$26,469
+HK$1,326/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,286/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,731
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,531
−HK$814/mo
Today · 4.125%
HK$27,345
baseline
▲ 0.50% · 4.625%
HK$29,008
+HK$1,663/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,690/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,625
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,393
−HK$779/mo
Today · 4.125%
HK$30,172
baseline
▲ 0.50% · 4.625%
HK$31,762
+HK$1,590/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,344/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,019
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,953
−HK$949/mo
Today · 4.125%
HK$31,902
baseline
▲ 0.50% · 4.625%
HK$33,843
+HK$1,941/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,804/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,396
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,292
−HK$909/mo
Today · 4.125%
HK$35,201
baseline
▲ 0.50% · 4.625%
HK$37,056
+HK$1,855/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,402/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,596
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,797
−HK$1,220/mo
Today · 4.125%
HK$41,017
baseline
▲ 0.50% · 4.625%
HK$43,513
+HK$2,496/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$82,034/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,938
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,090
−HK$1,168/mo
Today · 4.125%
HK$45,258
baseline
▲ 0.50% · 4.625%
HK$47,644
+HK$2,386/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,516/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,355 · 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).