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$21,427
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,094
−HK$677/mo
Today · 4.125%
HK$22,771
baseline
▲ 0.50% · 4.625%
HK$24,157
+HK$1,386/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,542/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,838
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,477
−HK$649/mo
Today · 4.125%
HK$25,126
baseline
▲ 0.50% · 4.625%
HK$26,450
+HK$1,324/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$309,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,713
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,513
−HK$812/mo
Today · 4.125%
HK$27,325
baseline
▲ 0.50% · 4.625%
HK$28,988
+HK$1,663/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,650/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,605
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,373
−HK$778/mo
Today · 4.125%
HK$30,151
baseline
▲ 0.50% · 4.625%
HK$31,740
+HK$1,589/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,302/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,998
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,932
−HK$948/mo
Today · 4.125%
HK$31,880
baseline
▲ 0.50% · 4.625%
HK$33,819
+HK$1,939/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$309,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,373
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,268
−HK$908/mo
Today · 4.125%
HK$35,176
baseline
▲ 0.50% · 4.625%
HK$37,030
+HK$1,854/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,352/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,569
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,769
−HK$1,219/mo
Today · 4.125%
HK$40,988
baseline
▲ 0.50% · 4.625%
HK$43,482
+HK$2,494/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$81,976/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,908
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,059
−HK$1,167/mo
Today · 4.125%
HK$45,226
baseline
▲ 0.50% · 4.625%
HK$47,610
+HK$2,384/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,452/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,695 · 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).