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$21,455
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,122
−HK$678/mo
Today · 4.125%
HK$22,800
baseline
▲ 0.50% · 4.625%
HK$24,188
+HK$1,388/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,600/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$310,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,868
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,509
−HK$649/mo
Today · 4.125%
HK$25,158
baseline
▲ 0.50% · 4.625%
HK$26,484
+HK$1,326/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,316/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$310,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,746
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,547
−HK$813/mo
Today · 4.125%
HK$27,360
baseline
▲ 0.50% · 4.625%
HK$29,025
+HK$1,665/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$54,720/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,642
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,410
−HK$780/mo
Today · 4.125%
HK$30,190
baseline
▲ 0.50% · 4.625%
HK$31,781
+HK$1,591/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$60,380/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,037
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,971
−HK$950/mo
Today · 4.125%
HK$31,921
baseline
▲ 0.50% · 4.625%
HK$33,863
+HK$1,942/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,842/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,416
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,312
−HK$909/mo
Today · 4.125%
HK$35,221
baseline
▲ 0.50% · 4.625%
HK$37,078
+HK$1,857/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,442/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,619
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,820
−HK$1,221/mo
Today · 4.125%
HK$41,041
baseline
▲ 0.50% · 4.625%
HK$43,538
+HK$2,497/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,082/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,963
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,115
−HK$1,169/mo
Today · 4.125%
HK$45,284
baseline
▲ 0.50% · 4.625%
HK$47,671
+HK$2,387/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,568/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,902 · 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).