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$21,429
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,095
−HK$678/mo
Today · 4.125%
HK$22,773
baseline
▲ 0.50% · 4.625%
HK$24,158
+HK$1,385/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,546/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,839
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,479
−HK$648/mo
Today · 4.125%
HK$25,127
baseline
▲ 0.50% · 4.625%
HK$26,452
+HK$1,325/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,254/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,714
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,514
−HK$813/mo
Today · 4.125%
HK$27,327
baseline
▲ 0.50% · 4.625%
HK$28,990
+HK$1,663/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,654/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,607
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,374
−HK$779/mo
Today · 4.125%
HK$30,153
baseline
▲ 0.50% · 4.625%
HK$31,742
+HK$1,589/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,306/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,000
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,933
−HK$949/mo
Today · 4.125%
HK$31,882
baseline
▲ 0.50% · 4.625%
HK$33,821
+HK$1,939/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,764/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,375
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,270
−HK$908/mo
Today · 4.125%
HK$35,178
baseline
▲ 0.50% · 4.625%
HK$37,032
+HK$1,854/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,356/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,572
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,772
−HK$1,219/mo
Today · 4.125%
HK$40,991
baseline
▲ 0.50% · 4.625%
HK$43,485
+HK$2,494/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$81,982/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,911
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,061
−HK$1,168/mo
Today · 4.125%
HK$45,229
baseline
▲ 0.50% · 4.625%
HK$47,613
+HK$2,384/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,458/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,751 · 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).