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$21,456
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,123
−HK$679/mo
Today · 4.125%
HK$22,802
baseline
▲ 0.50% · 4.625%
HK$24,189
+HK$1,387/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,604/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$310,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,870
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,510
−HK$649/mo
Today · 4.125%
HK$25,159
baseline
▲ 0.50% · 4.625%
HK$26,485
+HK$1,326/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,318/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$310,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,747
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,548
−HK$814/mo
Today · 4.125%
HK$27,362
baseline
▲ 0.50% · 4.625%
HK$29,027
+HK$1,665/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$54,724/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,644
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,412
−HK$779/mo
Today · 4.125%
HK$30,191
baseline
▲ 0.50% · 4.625%
HK$31,783
+HK$1,592/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$60,382/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,039
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,973
−HK$949/mo
Today · 4.125%
HK$31,922
baseline
▲ 0.50% · 4.625%
HK$33,865
+HK$1,943/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,844/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,418
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,314
−HK$909/mo
Today · 4.125%
HK$35,223
baseline
▲ 0.50% · 4.625%
HK$37,080
+HK$1,857/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,446/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,621
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,822
−HK$1,221/mo
Today · 4.125%
HK$41,043
baseline
▲ 0.50% · 4.625%
HK$43,540
+HK$2,497/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,086/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,965
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,118
−HK$1,169/mo
Today · 4.125%
HK$45,287
baseline
▲ 0.50% · 4.625%
HK$47,674
+HK$2,387/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,574/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,951 · 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).