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$21,418
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,085
−HK$677/mo
Today · 4.125%
HK$22,762
baseline
▲ 0.50% · 4.625%
HK$24,147
+HK$1,385/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,524/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,828
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,467
−HK$648/mo
Today · 4.125%
HK$25,115
baseline
▲ 0.50% · 4.625%
HK$26,439
+HK$1,324/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,230/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,702
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,502
−HK$812/mo
Today · 4.125%
HK$27,314
baseline
▲ 0.50% · 4.625%
HK$28,976
+HK$1,662/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,628/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,593
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,360
−HK$778/mo
Today · 4.125%
HK$30,138
baseline
▲ 0.50% · 4.625%
HK$31,727
+HK$1,589/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,276/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,986
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,918
−HK$948/mo
Today · 4.125%
HK$31,866
baseline
▲ 0.50% · 4.625%
HK$33,805
+HK$1,939/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,732/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,359
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,254
−HK$907/mo
Today · 4.125%
HK$35,161
baseline
▲ 0.50% · 4.625%
HK$37,015
+HK$1,854/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,322/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,553
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,752
−HK$1,219/mo
Today · 4.125%
HK$40,971
baseline
▲ 0.50% · 4.625%
HK$43,464
+HK$2,493/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,942/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,890
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,040
−HK$1,167/mo
Today · 4.125%
HK$45,207
baseline
▲ 0.50% · 4.625%
HK$47,590
+HK$2,383/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,414/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,298 · 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).