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$21,445
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,112
−HK$677/mo
Today · 4.125%
HK$22,789
baseline
▲ 0.50% · 4.625%
HK$24,176
+HK$1,387/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,578/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,857
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,497
−HK$649/mo
Today · 4.125%
HK$25,146
baseline
▲ 0.50% · 4.625%
HK$26,471
+HK$1,325/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,292/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,733
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,534
−HK$813/mo
Today · 4.125%
HK$27,347
baseline
▲ 0.50% · 4.625%
HK$29,011
+HK$1,664/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,694/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,628
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,396
−HK$779/mo
Today · 4.125%
HK$30,175
baseline
▲ 0.50% · 4.625%
HK$31,766
+HK$1,591/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,350/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,022
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,956
−HK$949/mo
Today · 4.125%
HK$31,905
baseline
▲ 0.50% · 4.625%
HK$33,846
+HK$1,941/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,810/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,400
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,295
−HK$909/mo
Today · 4.125%
HK$35,204
baseline
▲ 0.50% · 4.625%
HK$37,060
+HK$1,856/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,408/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,600
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,801
−HK$1,220/mo
Today · 4.125%
HK$41,021
baseline
▲ 0.50% · 4.625%
HK$43,517
+HK$2,496/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$82,042/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,942
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,094
−HK$1,168/mo
Today · 4.125%
HK$45,262
baseline
▲ 0.50% · 4.625%
HK$47,648
+HK$2,386/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,524/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,446 · 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).