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$21,427
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,093
−HK$678/mo
Today · 4.125%
HK$22,771
baseline
▲ 0.50% · 4.625%
HK$24,156
+HK$1,385/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,542/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,837
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,477
−HK$648/mo
Today · 4.125%
HK$25,125
baseline
▲ 0.50% · 4.625%
HK$26,449
+HK$1,324/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,250/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,712
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,512
−HK$813/mo
Today · 4.125%
HK$27,325
baseline
▲ 0.50% · 4.625%
HK$28,987
+HK$1,662/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,650/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,605
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,372
−HK$778/mo
Today · 4.125%
HK$30,150
baseline
▲ 0.50% · 4.625%
HK$31,739
+HK$1,589/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,300/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,998
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,931
−HK$948/mo
Today · 4.125%
HK$31,879
baseline
▲ 0.50% · 4.625%
HK$33,819
+HK$1,940/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,758/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,372
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,267
−HK$908/mo
Today · 4.125%
HK$35,175
baseline
▲ 0.50% · 4.625%
HK$37,029
+HK$1,854/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,350/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,568
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,768
−HK$1,219/mo
Today · 4.125%
HK$40,987
baseline
▲ 0.50% · 4.625%
HK$43,481
+HK$2,494/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$81,974/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,907
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,058
−HK$1,167/mo
Today · 4.125%
HK$45,225
baseline
▲ 0.50% · 4.625%
HK$47,609
+HK$2,384/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,450/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,672 · 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).