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$21,422
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,088
−HK$677/mo
Today · 4.125%
HK$22,765
baseline
▲ 0.50% · 4.625%
HK$24,150
+HK$1,385/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,530/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,832
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,471
−HK$648/mo
Today · 4.125%
HK$25,119
baseline
▲ 0.50% · 4.625%
HK$26,443
+HK$1,324/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,238/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,706
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,506
−HK$812/mo
Today · 4.125%
HK$27,318
baseline
▲ 0.50% · 4.625%
HK$28,980
+HK$1,662/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,636/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,598
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,365
−HK$778/mo
Today · 4.125%
HK$30,143
baseline
▲ 0.50% · 4.625%
HK$31,732
+HK$1,589/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,286/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,991
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,923
−HK$948/mo
Today · 4.125%
HK$31,871
baseline
▲ 0.50% · 4.625%
HK$33,810
+HK$1,939/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,742/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,364
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,259
−HK$908/mo
Today · 4.125%
HK$35,167
baseline
▲ 0.50% · 4.625%
HK$37,020
+HK$1,853/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,334/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,559
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,759
−HK$1,218/mo
Today · 4.125%
HK$40,977
baseline
▲ 0.50% · 4.625%
HK$43,471
+HK$2,494/mo
Deposit HK$939K · loan HK$8.46M · min. income ≈ HK$81,954/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,897
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,047
−HK$1,167/mo
Today · 4.125%
HK$45,214
baseline
▲ 0.50% · 4.625%
HK$47,598
+HK$2,384/mo
Deposit HK$939K · loan HK$8.46M · min. income ≈ HK$90,428/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,448 · 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).