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$21,450
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,117
−HK$678/mo
Today · 4.125%
HK$22,795
baseline
▲ 0.50% · 4.625%
HK$24,182
+HK$1,387/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,590/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,863
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,503
−HK$649/mo
Today · 4.125%
HK$25,152
baseline
▲ 0.50% · 4.625%
HK$26,478
+HK$1,326/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,304/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,740
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,541
−HK$813/mo
Today · 4.125%
HK$27,354
baseline
▲ 0.50% · 4.625%
HK$29,019
+HK$1,665/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,708/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,636
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,404
−HK$779/mo
Today · 4.125%
HK$30,183
baseline
▲ 0.50% · 4.625%
HK$31,774
+HK$1,591/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,366/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,030
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,964
−HK$949/mo
Today · 4.125%
HK$31,913
baseline
▲ 0.50% · 4.625%
HK$33,855
+HK$1,942/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,826/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,408
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,304
−HK$909/mo
Today · 4.125%
HK$35,213
baseline
▲ 0.50% · 4.625%
HK$37,069
+HK$1,856/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,426/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,610
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,811
−HK$1,220/mo
Today · 4.125%
HK$41,031
baseline
▲ 0.50% · 4.625%
HK$43,528
+HK$2,497/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,062/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,953
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,105
−HK$1,169/mo
Today · 4.125%
HK$45,274
baseline
▲ 0.50% · 4.625%
HK$47,661
+HK$2,387/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,548/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,688 · 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).