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$21,449
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,116
−HK$678/mo
Today · 4.125%
HK$22,794
baseline
▲ 0.50% · 4.625%
HK$24,181
+HK$1,387/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,588/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,861
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,501
−HK$650/mo
Today · 4.125%
HK$25,151
baseline
▲ 0.50% · 4.625%
HK$26,476
+HK$1,325/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,302/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,738
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,539
−HK$813/mo
Today · 4.125%
HK$27,352
baseline
▲ 0.50% · 4.625%
HK$29,017
+HK$1,665/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,704/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,634
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,402
−HK$779/mo
Today · 4.125%
HK$30,181
baseline
▲ 0.50% · 4.625%
HK$31,772
+HK$1,591/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,362/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,028
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,962
−HK$949/mo
Today · 4.125%
HK$31,911
baseline
▲ 0.50% · 4.625%
HK$33,853
+HK$1,942/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,822/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,406
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,302
−HK$909/mo
Today · 4.125%
HK$35,211
baseline
▲ 0.50% · 4.625%
HK$37,067
+HK$1,856/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,422/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,608
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,809
−HK$1,220/mo
Today · 4.125%
HK$41,029
baseline
▲ 0.50% · 4.625%
HK$43,525
+HK$2,496/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,058/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,951
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,103
−HK$1,168/mo
Today · 4.125%
HK$45,271
baseline
▲ 0.50% · 4.625%
HK$47,657
+HK$2,386/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,542/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,628 · 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).