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$21,416
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,082
−HK$677/mo
Today · 4.125%
HK$22,759
baseline
▲ 0.50% · 4.625%
HK$24,144
+HK$1,385/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,518/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,825
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,464
−HK$648/mo
Today · 4.125%
HK$25,112
baseline
▲ 0.50% · 4.625%
HK$26,436
+HK$1,324/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,224/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,699
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,498
−HK$813/mo
Today · 4.125%
HK$27,311
baseline
▲ 0.50% · 4.625%
HK$28,972
+HK$1,661/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,622/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,590
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,357
−HK$777/mo
Today · 4.125%
HK$30,134
baseline
▲ 0.50% · 4.625%
HK$31,723
+HK$1,589/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,268/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,982
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,915
−HK$947/mo
Today · 4.125%
HK$31,862
baseline
▲ 0.50% · 4.625%
HK$33,801
+HK$1,939/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,724/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,355
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,249
−HK$908/mo
Today · 4.125%
HK$35,157
baseline
▲ 0.50% · 4.625%
HK$37,010
+HK$1,853/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,314/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,548
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,748
−HK$1,218/mo
Today · 4.125%
HK$40,966
baseline
▲ 0.50% · 4.625%
HK$43,458
+HK$2,492/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,932/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,885
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,035
−HK$1,167/mo
Today · 4.125%
HK$45,202
baseline
▲ 0.50% · 4.625%
HK$47,584
+HK$2,382/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,404/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,185 · 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).