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$21,416
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,082
−HK$677/mo
Today · 4.125%
HK$22,759
baseline
▲ 0.50% · 4.625%
HK$24,144
+HK$1,385/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,518/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,825
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,464
−HK$649/mo
Today · 4.125%
HK$25,113
baseline
▲ 0.50% · 4.625%
HK$26,436
+HK$1,323/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,226/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,699
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,499
−HK$812/mo
Today · 4.125%
HK$27,311
baseline
▲ 0.50% · 4.625%
HK$28,973
+HK$1,662/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,622/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,590
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,357
−HK$778/mo
Today · 4.125%
HK$30,135
baseline
▲ 0.50% · 4.625%
HK$31,724
+HK$1,589/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,270/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,983
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,915
−HK$948/mo
Today · 4.125%
HK$31,863
baseline
▲ 0.50% · 4.625%
HK$33,802
+HK$1,939/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,726/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,355
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,250
−HK$908/mo
Today · 4.125%
HK$35,158
baseline
▲ 0.50% · 4.625%
HK$37,011
+HK$1,853/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,316/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,549
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,748
−HK$1,219/mo
Today · 4.125%
HK$40,967
baseline
▲ 0.50% · 4.625%
HK$43,459
+HK$2,492/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,934/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,886
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,036
−HK$1,167/mo
Today · 4.125%
HK$45,203
baseline
▲ 0.50% · 4.625%
HK$47,585
+HK$2,382/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,406/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,203 · 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).