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$21,447
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,114
−HK$678/mo
Today · 4.125%
HK$22,792
baseline
▲ 0.50% · 4.625%
HK$24,179
+HK$1,387/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,584/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,860
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,500
−HK$649/mo
Today · 4.125%
HK$25,149
baseline
▲ 0.50% · 4.625%
HK$26,474
+HK$1,325/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,298/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,737
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,537
−HK$813/mo
Today · 4.125%
HK$27,350
baseline
▲ 0.50% · 4.625%
HK$29,015
+HK$1,665/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,700/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,632
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,400
−HK$778/mo
Today · 4.125%
HK$30,178
baseline
▲ 0.50% · 4.625%
HK$31,769
+HK$1,591/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,356/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,026
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,960
−HK$949/mo
Today · 4.125%
HK$31,909
baseline
▲ 0.50% · 4.625%
HK$33,850
+HK$1,941/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,818/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,404
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,299
−HK$909/mo
Today · 4.125%
HK$35,208
baseline
▲ 0.50% · 4.625%
HK$37,064
+HK$1,856/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,416/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,605
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,806
−HK$1,220/mo
Today · 4.125%
HK$41,026
baseline
▲ 0.50% · 4.625%
HK$43,522
+HK$2,496/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,052/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,947
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,099
−HK$1,169/mo
Today · 4.125%
HK$45,268
baseline
▲ 0.50% · 4.625%
HK$47,654
+HK$2,386/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,536/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,557 · 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).