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$21,433
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,100
−HK$677/mo
Today · 4.125%
HK$22,777
baseline
▲ 0.50% · 4.625%
HK$24,163
+HK$1,386/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,554/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,844
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,484
−HK$648/mo
Today · 4.125%
HK$25,132
baseline
▲ 0.50% · 4.625%
HK$26,457
+HK$1,325/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,264/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,720
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,520
−HK$813/mo
Today · 4.125%
HK$27,333
baseline
▲ 0.50% · 4.625%
HK$28,996
+HK$1,663/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,666/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,613
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,380
−HK$779/mo
Today · 4.125%
HK$30,159
baseline
▲ 0.50% · 4.625%
HK$31,748
+HK$1,589/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,318/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,006
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,940
−HK$948/mo
Today · 4.125%
HK$31,888
baseline
▲ 0.50% · 4.625%
HK$33,828
+HK$1,940/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,776/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,382
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,277
−HK$908/mo
Today · 4.125%
HK$35,185
baseline
▲ 0.50% · 4.625%
HK$37,040
+HK$1,855/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,370/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,580
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,780
−HK$1,219/mo
Today · 4.125%
HK$40,999
baseline
▲ 0.50% · 4.625%
HK$43,494
+HK$2,495/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$81,998/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,919
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,070
−HK$1,168/mo
Today · 4.125%
HK$45,238
baseline
▲ 0.50% · 4.625%
HK$47,623
+HK$2,385/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,476/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,942 · 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).