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$1,343/mo
▼ 0.25% · 3.875%
HK$22,089
−HK$677/mo
Today · 4.125%
HK$22,766
baseline
▲ 0.50% · 4.625%
HK$24,151
+HK$1,385/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,532/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,832
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,472
−HK$648/mo
Today · 4.125%
HK$25,120
baseline
▲ 0.50% · 4.625%
HK$26,444
+HK$1,324/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,240/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,707
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,507
−HK$812/mo
Today · 4.125%
HK$27,319
baseline
▲ 0.50% · 4.625%
HK$28,982
+HK$1,663/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,638/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,599
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,366
−HK$778/mo
Today · 4.125%
HK$30,144
baseline
▲ 0.50% · 4.625%
HK$31,733
+HK$1,589/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,288/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,992
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,925
−HK$947/mo
Today · 4.125%
HK$31,872
baseline
▲ 0.50% · 4.625%
HK$33,812
+HK$1,940/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,744/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,365
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,260
−HK$908/mo
Today · 4.125%
HK$35,168
baseline
▲ 0.50% · 4.625%
HK$37,022
+HK$1,854/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,336/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,561
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,760
−HK$1,219/mo
Today · 4.125%
HK$40,979
baseline
▲ 0.50% · 4.625%
HK$43,472
+HK$2,493/mo
Deposit HK$939K · loan HK$8.46M · min. income ≈ HK$81,958/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,898
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,049
−HK$1,167/mo
Today · 4.125%
HK$45,216
baseline
▲ 0.50% · 4.625%
HK$47,600
+HK$2,384/mo
Deposit HK$939K · loan HK$8.46M · min. income ≈ HK$90,432/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,485 · 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).