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$21,428
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,095
−HK$677/mo
Today · 4.125%
HK$22,772
baseline
▲ 0.50% · 4.625%
HK$24,157
+HK$1,385/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,544/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,838
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,478
−HK$648/mo
Today · 4.125%
HK$25,126
baseline
▲ 0.50% · 4.625%
HK$26,451
+HK$1,325/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,252/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,714
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,513
−HK$813/mo
Today · 4.125%
HK$27,326
baseline
▲ 0.50% · 4.625%
HK$28,989
+HK$1,663/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,652/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,606
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,373
−HK$779/mo
Today · 4.125%
HK$30,152
baseline
▲ 0.50% · 4.625%
HK$31,741
+HK$1,589/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,304/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,999
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,932
−HK$948/mo
Today · 4.125%
HK$31,880
baseline
▲ 0.50% · 4.625%
HK$33,820
+HK$1,940/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,760/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,374
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,269
−HK$908/mo
Today · 4.125%
HK$35,177
baseline
▲ 0.50% · 4.625%
HK$37,031
+HK$1,854/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,354/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,570
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,770
−HK$1,219/mo
Today · 4.125%
HK$40,989
baseline
▲ 0.50% · 4.625%
HK$43,483
+HK$2,494/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$81,978/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,909
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,060
−HK$1,167/mo
Today · 4.125%
HK$45,227
baseline
▲ 0.50% · 4.625%
HK$47,611
+HK$2,384/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,454/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,720 · 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).