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$21,432
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,099
−HK$677/mo
Today · 4.125%
HK$22,776
baseline
▲ 0.50% · 4.625%
HK$24,162
+HK$1,386/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,552/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,843
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,482
−HK$649/mo
Today · 4.125%
HK$25,131
baseline
▲ 0.50% · 4.625%
HK$26,456
+HK$1,325/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,262/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,718
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,518
−HK$813/mo
Today · 4.125%
HK$27,331
baseline
▲ 0.50% · 4.625%
HK$28,994
+HK$1,663/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,662/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,611
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,379
−HK$778/mo
Today · 4.125%
HK$30,157
baseline
▲ 0.50% · 4.625%
HK$31,747
+HK$1,590/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,314/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,005
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,938
−HK$948/mo
Today · 4.125%
HK$31,886
baseline
▲ 0.50% · 4.625%
HK$33,826
+HK$1,940/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,772/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,380
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,275
−HK$908/mo
Today · 4.125%
HK$35,183
baseline
▲ 0.50% · 4.625%
HK$37,038
+HK$1,855/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,366/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,578
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,777
−HK$1,220/mo
Today · 4.125%
HK$40,997
baseline
▲ 0.50% · 4.625%
HK$43,491
+HK$2,494/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$81,994/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,917
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,068
−HK$1,168/mo
Today · 4.125%
HK$45,236
baseline
▲ 0.50% · 4.625%
HK$47,620
+HK$2,384/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,472/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,892 · 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).