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$1,345/mo
▼ 0.25% · 3.875%
HK$22,102
−HK$678/mo
Today · 4.125%
HK$22,780
baseline
▲ 0.50% · 4.625%
HK$24,166
+HK$1,386/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,560/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,847
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,486
−HK$649/mo
Today · 4.125%
HK$25,135
baseline
▲ 0.50% · 4.625%
HK$26,460
+HK$1,325/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,270/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,723
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,523
−HK$813/mo
Today · 4.125%
HK$27,336
baseline
▲ 0.50% · 4.625%
HK$28,999
+HK$1,663/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,672/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,616
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,384
−HK$778/mo
Today · 4.125%
HK$30,162
baseline
▲ 0.50% · 4.625%
HK$31,752
+HK$1,590/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,324/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,010
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,943
−HK$949/mo
Today · 4.125%
HK$31,892
baseline
▲ 0.50% · 4.625%
HK$33,832
+HK$1,940/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,784/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,385
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,281
−HK$908/mo
Today · 4.125%
HK$35,189
baseline
▲ 0.50% · 4.625%
HK$37,044
+HK$1,855/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,378/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,584
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,784
−HK$1,219/mo
Today · 4.125%
HK$41,003
baseline
▲ 0.50% · 4.625%
HK$43,498
+HK$2,495/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$82,006/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,924
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,075
−HK$1,168/mo
Today · 4.125%
HK$45,243
baseline
▲ 0.50% · 4.625%
HK$47,628
+HK$2,385/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,486/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,046 · 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).