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$21,449
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,116
−HK$678/mo
Today · 4.125%
HK$22,794
baseline
▲ 0.50% · 4.625%
HK$24,181
+HK$1,387/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,588/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,862
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,502
−HK$649/mo
Today · 4.125%
HK$25,151
baseline
▲ 0.50% · 4.625%
HK$26,477
+HK$1,326/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,302/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,739
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,540
−HK$813/mo
Today · 4.125%
HK$27,353
baseline
▲ 0.50% · 4.625%
HK$29,018
+HK$1,665/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,706/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,634
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,402
−HK$780/mo
Today · 4.125%
HK$30,182
baseline
▲ 0.50% · 4.625%
HK$31,772
+HK$1,590/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,364/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,029
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,963
−HK$949/mo
Today · 4.125%
HK$31,912
baseline
▲ 0.50% · 4.625%
HK$33,854
+HK$1,942/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,824/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,407
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,303
−HK$909/mo
Today · 4.125%
HK$35,212
baseline
▲ 0.50% · 4.625%
HK$37,068
+HK$1,856/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,424/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,609
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,810
−HK$1,220/mo
Today · 4.125%
HK$41,030
baseline
▲ 0.50% · 4.625%
HK$43,526
+HK$2,496/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,060/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,952
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,104
−HK$1,168/mo
Today · 4.125%
HK$45,272
baseline
▲ 0.50% · 4.625%
HK$47,659
+HK$2,387/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,544/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,651 · 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).