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$21,418
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,084
−HK$677/mo
Today · 4.125%
HK$22,761
baseline
▲ 0.50% · 4.625%
HK$24,146
+HK$1,385/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,522/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,827
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,467
−HK$648/mo
Today · 4.125%
HK$25,115
baseline
▲ 0.50% · 4.625%
HK$26,439
+HK$1,324/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,230/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,702
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,501
−HK$813/mo
Today · 4.125%
HK$27,314
baseline
▲ 0.50% · 4.625%
HK$28,975
+HK$1,661/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,628/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,593
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,360
−HK$778/mo
Today · 4.125%
HK$30,138
baseline
▲ 0.50% · 4.625%
HK$31,726
+HK$1,588/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,276/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,985
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,918
−HK$948/mo
Today · 4.125%
HK$31,866
baseline
▲ 0.50% · 4.625%
HK$33,805
+HK$1,939/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,732/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,358
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,253
−HK$908/mo
Today · 4.125%
HK$35,161
baseline
▲ 0.50% · 4.625%
HK$37,014
+HK$1,853/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,322/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,553
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,752
−HK$1,218/mo
Today · 4.125%
HK$40,970
baseline
▲ 0.50% · 4.625%
HK$43,463
+HK$2,493/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,940/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,889
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,040
−HK$1,167/mo
Today · 4.125%
HK$45,207
baseline
▲ 0.50% · 4.625%
HK$47,590
+HK$2,383/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,414/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,288 · 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).