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$21,437
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,104
−HK$677/mo
Today · 4.125%
HK$22,781
baseline
▲ 0.50% · 4.625%
HK$24,167
+HK$1,386/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,562/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,848
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,488
−HK$649/mo
Today · 4.125%
HK$25,137
baseline
▲ 0.50% · 4.625%
HK$26,462
+HK$1,325/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,274/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,724
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,524
−HK$813/mo
Today · 4.125%
HK$27,337
baseline
▲ 0.50% · 4.625%
HK$29,001
+HK$1,664/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,674/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,618
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,385
−HK$779/mo
Today · 4.125%
HK$30,164
baseline
▲ 0.50% · 4.625%
HK$31,754
+HK$1,590/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,328/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,011
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,945
−HK$948/mo
Today · 4.125%
HK$31,893
baseline
▲ 0.50% · 4.625%
HK$33,834
+HK$1,941/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,786/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,387
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,283
−HK$908/mo
Today · 4.125%
HK$35,191
baseline
▲ 0.50% · 4.625%
HK$37,046
+HK$1,855/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,382/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,586
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,786
−HK$1,220/mo
Today · 4.125%
HK$41,006
baseline
▲ 0.50% · 4.625%
HK$43,501
+HK$2,495/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$82,012/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,927
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,078
−HK$1,168/mo
Today · 4.125%
HK$45,246
baseline
▲ 0.50% · 4.625%
HK$47,631
+HK$2,385/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,492/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,104 · 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).