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$21,435
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,101
−HK$678/mo
Today · 4.125%
HK$22,779
baseline
▲ 0.50% · 4.625%
HK$24,165
+HK$1,386/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,558/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,846
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,485
−HK$649/mo
Today · 4.125%
HK$25,134
baseline
▲ 0.50% · 4.625%
HK$26,459
+HK$1,325/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,268/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,721
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,522
−HK$812/mo
Today · 4.125%
HK$27,334
baseline
▲ 0.50% · 4.625%
HK$28,998
+HK$1,664/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,668/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,615
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,382
−HK$779/mo
Today · 4.125%
HK$30,161
baseline
▲ 0.50% · 4.625%
HK$31,751
+HK$1,590/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,322/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,008
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,942
−HK$948/mo
Today · 4.125%
HK$31,890
baseline
▲ 0.50% · 4.625%
HK$33,831
+HK$1,941/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,780/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,384
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,279
−HK$909/mo
Today · 4.125%
HK$35,188
baseline
▲ 0.50% · 4.625%
HK$37,042
+HK$1,854/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,376/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,582
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,782
−HK$1,220/mo
Today · 4.125%
HK$41,002
baseline
▲ 0.50% · 4.625%
HK$43,497
+HK$2,495/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$82,004/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,922
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,073
−HK$1,168/mo
Today · 4.125%
HK$45,241
baseline
▲ 0.50% · 4.625%
HK$47,626
+HK$2,385/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,482/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,007 · 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).