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$21,457
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,125
−HK$678/mo
Today · 4.125%
HK$22,803
baseline
▲ 0.50% · 4.625%
HK$24,190
+HK$1,387/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,606/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$310,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,871
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,511
−HK$649/mo
Today · 4.125%
HK$25,160
baseline
▲ 0.50% · 4.625%
HK$26,487
+HK$1,327/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,320/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$310,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,748
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,549
−HK$814/mo
Today · 4.125%
HK$27,363
baseline
▲ 0.50% · 4.625%
HK$29,028
+HK$1,665/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$54,726/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,645
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,413
−HK$780/mo
Today · 4.125%
HK$30,193
baseline
▲ 0.50% · 4.625%
HK$31,784
+HK$1,591/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$60,386/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,040
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,974
−HK$950/mo
Today · 4.125%
HK$31,924
baseline
▲ 0.50% · 4.625%
HK$33,866
+HK$1,942/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,848/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,419
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,315
−HK$910/mo
Today · 4.125%
HK$35,225
baseline
▲ 0.50% · 4.625%
HK$37,081
+HK$1,856/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,450/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,623
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,824
−HK$1,221/mo
Today · 4.125%
HK$41,045
baseline
▲ 0.50% · 4.625%
HK$43,542
+HK$2,497/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,090/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,967
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,120
−HK$1,169/mo
Today · 4.125%
HK$45,289
baseline
▲ 0.50% · 4.625%
HK$47,676
+HK$2,387/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,578/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,994 · 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).