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$21,442
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,109
−HK$677/mo
Today · 4.125%
HK$22,786
baseline
▲ 0.50% · 4.625%
HK$24,173
+HK$1,387/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,572/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,854
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,494
−HK$649/mo
Today · 4.125%
HK$25,143
baseline
▲ 0.50% · 4.625%
HK$26,468
+HK$1,325/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,286/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,730
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,531
−HK$813/mo
Today · 4.125%
HK$27,344
baseline
▲ 0.50% · 4.625%
HK$29,007
+HK$1,663/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,688/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,625
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,392
−HK$779/mo
Today · 4.125%
HK$30,171
baseline
▲ 0.50% · 4.625%
HK$31,761
+HK$1,590/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,342/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,019
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,952
−HK$949/mo
Today · 4.125%
HK$31,901
baseline
▲ 0.50% · 4.625%
HK$33,842
+HK$1,941/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,802/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,395
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,291
−HK$909/mo
Today · 4.125%
HK$35,200
baseline
▲ 0.50% · 4.625%
HK$37,055
+HK$1,855/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,400/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,595
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,796
−HK$1,220/mo
Today · 4.125%
HK$41,016
baseline
▲ 0.50% · 4.625%
HK$43,511
+HK$2,495/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$82,032/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,937
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,088
−HK$1,169/mo
Today · 4.125%
HK$45,257
baseline
▲ 0.50% · 4.625%
HK$47,642
+HK$2,385/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,514/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,325 · 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).