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$21,432
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,099
−HK$677/mo
Today · 4.125%
HK$22,776
baseline
▲ 0.50% · 4.625%
HK$24,162
+HK$1,386/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,552/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,843
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,483
−HK$648/mo
Today · 4.125%
HK$25,131
baseline
▲ 0.50% · 4.625%
HK$26,456
+HK$1,325/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,262/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,719
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,519
−HK$813/mo
Today · 4.125%
HK$27,332
baseline
▲ 0.50% · 4.625%
HK$28,995
+HK$1,663/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,664/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,612
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,379
−HK$779/mo
Today · 4.125%
HK$30,158
baseline
▲ 0.50% · 4.625%
HK$31,747
+HK$1,589/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,316/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,005
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,939
−HK$948/mo
Today · 4.125%
HK$31,887
baseline
▲ 0.50% · 4.625%
HK$33,827
+HK$1,940/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,774/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,381
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,276
−HK$908/mo
Today · 4.125%
HK$35,184
baseline
▲ 0.50% · 4.625%
HK$37,039
+HK$1,855/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,368/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,578
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,778
−HK$1,219/mo
Today · 4.125%
HK$40,997
baseline
▲ 0.50% · 4.625%
HK$43,492
+HK$2,495/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$81,994/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,918
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,069
−HK$1,168/mo
Today · 4.125%
HK$45,237
baseline
▲ 0.50% · 4.625%
HK$47,621
+HK$2,384/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,474/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,910 · 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).