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$21,425
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,091
−HK$677/mo
Today · 4.125%
HK$22,768
baseline
▲ 0.50% · 4.625%
HK$24,153
+HK$1,385/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,536/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,835
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,474
−HK$648/mo
Today · 4.125%
HK$25,122
baseline
▲ 0.50% · 4.625%
HK$26,447
+HK$1,325/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,244/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,709
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,509
−HK$813/mo
Today · 4.125%
HK$27,322
baseline
▲ 0.50% · 4.625%
HK$28,984
+HK$1,662/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,644/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,602
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,369
−HK$778/mo
Today · 4.125%
HK$30,147
baseline
▲ 0.50% · 4.625%
HK$31,736
+HK$1,589/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,294/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,994
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,927
−HK$948/mo
Today · 4.125%
HK$31,875
baseline
▲ 0.50% · 4.625%
HK$33,815
+HK$1,940/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,750/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,368
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,263
−HK$908/mo
Today · 4.125%
HK$35,171
baseline
▲ 0.50% · 4.625%
HK$37,025
+HK$1,854/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,342/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,564
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,764
−HK$1,219/mo
Today · 4.125%
HK$40,983
baseline
▲ 0.50% · 4.625%
HK$43,476
+HK$2,493/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$81,966/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,902
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,053
−HK$1,167/mo
Today · 4.125%
HK$45,220
baseline
▲ 0.50% · 4.625%
HK$47,604
+HK$2,384/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,440/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,568 · 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).