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$21,419
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,086
−HK$676/mo
Today · 4.125%
HK$22,762
baseline
▲ 0.50% · 4.625%
HK$24,148
+HK$1,386/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,524/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,829
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,468
−HK$648/mo
Today · 4.125%
HK$25,116
baseline
▲ 0.50% · 4.625%
HK$26,440
+HK$1,324/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,232/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,703
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,503
−HK$812/mo
Today · 4.125%
HK$27,315
baseline
▲ 0.50% · 4.625%
HK$28,977
+HK$1,662/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,630/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,595
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,361
−HK$778/mo
Today · 4.125%
HK$30,139
baseline
▲ 0.50% · 4.625%
HK$31,728
+HK$1,589/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,278/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,987
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,920
−HK$947/mo
Today · 4.125%
HK$31,867
baseline
▲ 0.50% · 4.625%
HK$33,807
+HK$1,940/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,734/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,360
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,255
−HK$908/mo
Today · 4.125%
HK$35,163
baseline
▲ 0.50% · 4.625%
HK$37,016
+HK$1,853/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,326/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,555
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,754
−HK$1,218/mo
Today · 4.125%
HK$40,972
baseline
▲ 0.50% · 4.625%
HK$43,466
+HK$2,494/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,944/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,892
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,042
−HK$1,167/mo
Today · 4.125%
HK$45,209
baseline
▲ 0.50% · 4.625%
HK$47,592
+HK$2,383/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,418/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,338 · 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).