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$21,434
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,100
−HK$678/mo
Today · 4.125%
HK$22,778
baseline
▲ 0.50% · 4.625%
HK$24,164
+HK$1,386/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,556/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,845
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,484
−HK$649/mo
Today · 4.125%
HK$25,133
baseline
▲ 0.50% · 4.625%
HK$26,458
+HK$1,325/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,266/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,720
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,520
−HK$813/mo
Today · 4.125%
HK$27,333
baseline
▲ 0.50% · 4.625%
HK$28,996
+HK$1,663/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,666/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,614
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,381
−HK$778/mo
Today · 4.125%
HK$30,159
baseline
▲ 0.50% · 4.625%
HK$31,749
+HK$1,590/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,318/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,007
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,940
−HK$949/mo
Today · 4.125%
HK$31,889
baseline
▲ 0.50% · 4.625%
HK$33,829
+HK$1,940/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,778/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,382
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,278
−HK$908/mo
Today · 4.125%
HK$35,186
baseline
▲ 0.50% · 4.625%
HK$37,041
+HK$1,855/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,372/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,580
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,780
−HK$1,220/mo
Today · 4.125%
HK$41,000
baseline
▲ 0.50% · 4.625%
HK$43,494
+HK$2,494/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$82,000/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,920
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,071
−HK$1,168/mo
Today · 4.125%
HK$45,239
baseline
▲ 0.50% · 4.625%
HK$47,624
+HK$2,385/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,478/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,963 · 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).