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$21,452
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,119
−HK$678/mo
Today · 4.125%
HK$22,797
baseline
▲ 0.50% · 4.625%
HK$24,184
+HK$1,387/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,594/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,865
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,505
−HK$650/mo
Today · 4.125%
HK$25,155
baseline
▲ 0.50% · 4.625%
HK$26,480
+HK$1,325/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,310/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,742
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,543
−HK$814/mo
Today · 4.125%
HK$27,357
baseline
▲ 0.50% · 4.625%
HK$29,021
+HK$1,664/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,714/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,638
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,406
−HK$779/mo
Today · 4.125%
HK$30,185
baseline
▲ 0.50% · 4.625%
HK$31,777
+HK$1,592/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,370/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,033
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,967
−HK$949/mo
Today · 4.125%
HK$31,916
baseline
▲ 0.50% · 4.625%
HK$33,858
+HK$1,942/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,832/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,411
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,307
−HK$909/mo
Today · 4.125%
HK$35,216
baseline
▲ 0.50% · 4.625%
HK$37,073
+HK$1,857/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,432/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,614
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,815
−HK$1,220/mo
Today · 4.125%
HK$41,035
baseline
▲ 0.50% · 4.625%
HK$43,532
+HK$2,497/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,070/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,957
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,109
−HK$1,169/mo
Today · 4.125%
HK$45,278
baseline
▲ 0.50% · 4.625%
HK$47,665
+HK$2,387/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,556/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,773 · 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).