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$21,412
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,078
−HK$677/mo
Today · 4.125%
HK$22,755
baseline
▲ 0.50% · 4.625%
HK$24,140
+HK$1,385/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,510/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$309,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,821
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,460
−HK$648/mo
Today · 4.125%
HK$25,108
baseline
▲ 0.50% · 4.625%
HK$26,432
+HK$1,324/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,216/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$309,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,695
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,494
−HK$812/mo
Today · 4.125%
HK$27,306
baseline
▲ 0.50% · 4.625%
HK$28,968
+HK$1,662/mo
Deposit HK$3.76M · loan HK$5.63M · min. income ≈ HK$54,612/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,585
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,352
−HK$778/mo
Today · 4.125%
HK$30,130
baseline
▲ 0.50% · 4.625%
HK$31,718
+HK$1,588/mo
Deposit HK$3.76M · loan HK$5.63M · min. income ≈ HK$60,260/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,977
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,910
−HK$947/mo
Today · 4.125%
HK$31,857
baseline
▲ 0.50% · 4.625%
HK$33,796
+HK$1,939/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,714/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,350
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,244
−HK$907/mo
Today · 4.125%
HK$35,151
baseline
▲ 0.50% · 4.625%
HK$37,004
+HK$1,853/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,302/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,542
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,741
−HK$1,218/mo
Today · 4.125%
HK$40,959
baseline
▲ 0.50% · 4.625%
HK$43,452
+HK$2,493/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,918/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,878
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,028
−HK$1,167/mo
Today · 4.125%
HK$45,195
baseline
▲ 0.50% · 4.625%
HK$47,577
+HK$2,382/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,390/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,037 · 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).