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$21,430
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,097
−HK$677/mo
Today · 4.125%
HK$22,774
baseline
▲ 0.50% · 4.625%
HK$24,159
+HK$1,385/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,548/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,841
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,480
−HK$649/mo
Today · 4.125%
HK$25,129
baseline
▲ 0.50% · 4.625%
HK$26,453
+HK$1,324/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,258/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,716
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,516
−HK$813/mo
Today · 4.125%
HK$27,329
baseline
▲ 0.50% · 4.625%
HK$28,991
+HK$1,662/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,658/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,609
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,376
−HK$778/mo
Today · 4.125%
HK$30,154
baseline
▲ 0.50% · 4.625%
HK$31,744
+HK$1,590/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,308/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,002
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,935
−HK$948/mo
Today · 4.125%
HK$31,883
baseline
▲ 0.50% · 4.625%
HK$33,823
+HK$1,940/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,766/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,377
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,272
−HK$908/mo
Today · 4.125%
HK$35,180
baseline
▲ 0.50% · 4.625%
HK$37,034
+HK$1,854/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,360/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,574
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,774
−HK$1,219/mo
Today · 4.125%
HK$40,993
baseline
▲ 0.50% · 4.625%
HK$43,487
+HK$2,494/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$81,986/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,913
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,064
−HK$1,167/mo
Today · 4.125%
HK$45,231
baseline
▲ 0.50% · 4.625%
HK$47,616
+HK$2,385/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,462/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,803 · 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).