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$21,454
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,121
−HK$678/mo
Today · 4.125%
HK$22,799
baseline
▲ 0.50% · 4.625%
HK$24,187
+HK$1,388/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,598/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$310,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,867
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,508
−HK$649/mo
Today · 4.125%
HK$25,157
baseline
▲ 0.50% · 4.625%
HK$26,483
+HK$1,326/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,314/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$310,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,745
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,546
−HK$813/mo
Today · 4.125%
HK$27,359
baseline
▲ 0.50% · 4.625%
HK$29,024
+HK$1,665/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$54,718/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,641
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,409
−HK$779/mo
Today · 4.125%
HK$30,188
baseline
▲ 0.50% · 4.625%
HK$31,780
+HK$1,592/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$60,376/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,036
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,970
−HK$949/mo
Today · 4.125%
HK$31,919
baseline
▲ 0.50% · 4.625%
HK$33,861
+HK$1,942/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,838/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,414
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,311
−HK$909/mo
Today · 4.125%
HK$35,220
baseline
▲ 0.50% · 4.625%
HK$37,076
+HK$1,856/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,440/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,617
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,819
−HK$1,220/mo
Today · 4.125%
HK$41,039
baseline
▲ 0.50% · 4.625%
HK$43,536
+HK$2,497/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,078/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,961
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,114
−HK$1,168/mo
Today · 4.125%
HK$45,282
baseline
▲ 0.50% · 4.625%
HK$47,669
+HK$2,387/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,564/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,862 · 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).