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$21,448
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,115
−HK$678/mo
Today · 4.125%
HK$22,793
baseline
▲ 0.50% · 4.625%
HK$24,179
+HK$1,386/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,586/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,860
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,500
−HK$649/mo
Today · 4.125%
HK$25,149
baseline
▲ 0.50% · 4.625%
HK$26,475
+HK$1,326/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,298/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,737
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,538
−HK$813/mo
Today · 4.125%
HK$27,351
baseline
▲ 0.50% · 4.625%
HK$29,015
+HK$1,664/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,702/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,632
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,400
−HK$779/mo
Today · 4.125%
HK$30,179
baseline
▲ 0.50% · 4.625%
HK$31,770
+HK$1,591/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,358/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,027
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,961
−HK$949/mo
Today · 4.125%
HK$31,910
baseline
▲ 0.50% · 4.625%
HK$33,851
+HK$1,941/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,820/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,404
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,300
−HK$909/mo
Today · 4.125%
HK$35,209
baseline
▲ 0.50% · 4.625%
HK$37,065
+HK$1,856/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,418/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,606
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,806
−HK$1,221/mo
Today · 4.125%
HK$41,027
baseline
▲ 0.50% · 4.625%
HK$43,523
+HK$2,496/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,054/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,948
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,100
−HK$1,169/mo
Today · 4.125%
HK$45,269
baseline
▲ 0.50% · 4.625%
HK$47,655
+HK$2,386/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,538/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,578 · 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).