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$21,453
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,120
−HK$678/mo
Today · 4.125%
HK$22,798
baseline
▲ 0.50% · 4.625%
HK$24,185
+HK$1,387/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,596/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,866
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,506
−HK$649/mo
Today · 4.125%
HK$25,155
baseline
▲ 0.50% · 4.625%
HK$26,481
+HK$1,326/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,310/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,743
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,544
−HK$814/mo
Today · 4.125%
HK$27,358
baseline
▲ 0.50% · 4.625%
HK$29,022
+HK$1,664/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,716/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,639
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,407
−HK$779/mo
Today · 4.125%
HK$30,186
baseline
▲ 0.50% · 4.625%
HK$31,777
+HK$1,591/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,372/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,034
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,968
−HK$949/mo
Today · 4.125%
HK$31,917
baseline
▲ 0.50% · 4.625%
HK$33,859
+HK$1,942/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,834/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,412
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,308
−HK$909/mo
Today · 4.125%
HK$35,217
baseline
▲ 0.50% · 4.625%
HK$37,074
+HK$1,857/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,434/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,615
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,816
−HK$1,220/mo
Today · 4.125%
HK$41,036
baseline
▲ 0.50% · 4.625%
HK$43,533
+HK$2,497/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,072/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,959
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,111
−HK$1,168/mo
Today · 4.125%
HK$45,279
baseline
▲ 0.50% · 4.625%
HK$47,666
+HK$2,387/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,558/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,801 · 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).