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$21,417
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,083
−HK$677/mo
Today · 4.125%
HK$22,760
baseline
▲ 0.50% · 4.625%
HK$24,145
+HK$1,385/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,520/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,826
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,465
−HK$648/mo
Today · 4.125%
HK$25,113
baseline
▲ 0.50% · 4.625%
HK$26,437
+HK$1,324/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,226/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,700
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,500
−HK$812/mo
Today · 4.125%
HK$27,312
baseline
▲ 0.50% · 4.625%
HK$28,974
+HK$1,662/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,624/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,591
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,358
−HK$778/mo
Today · 4.125%
HK$30,136
baseline
▲ 0.50% · 4.625%
HK$31,724
+HK$1,588/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,272/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,984
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,916
−HK$948/mo
Today · 4.125%
HK$31,864
baseline
▲ 0.50% · 4.625%
HK$33,803
+HK$1,939/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,728/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,356
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,251
−HK$908/mo
Today · 4.125%
HK$35,159
baseline
▲ 0.50% · 4.625%
HK$37,012
+HK$1,853/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,318/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,550
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,750
−HK$1,218/mo
Today · 4.125%
HK$40,968
baseline
▲ 0.50% · 4.625%
HK$43,461
+HK$2,493/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,936/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,887
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,037
−HK$1,167/mo
Today · 4.125%
HK$45,204
baseline
▲ 0.50% · 4.625%
HK$47,587
+HK$2,383/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,408/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,231 · 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).