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$21,456
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,123
−HK$678/mo
Today · 4.125%
HK$22,801
baseline
▲ 0.50% · 4.625%
HK$24,188
+HK$1,387/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,602/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$310,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,869
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,509
−HK$650/mo
Today · 4.125%
HK$25,159
baseline
▲ 0.50% · 4.625%
HK$26,485
+HK$1,326/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,318/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$310,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,747
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,548
−HK$813/mo
Today · 4.125%
HK$27,361
baseline
▲ 0.50% · 4.625%
HK$29,026
+HK$1,665/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$54,722/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,643
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,411
−HK$779/mo
Today · 4.125%
HK$30,190
baseline
▲ 0.50% · 4.625%
HK$31,782
+HK$1,592/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$60,380/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,038
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,972
−HK$949/mo
Today · 4.125%
HK$31,921
baseline
▲ 0.50% · 4.625%
HK$33,864
+HK$1,943/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,842/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,417
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,313
−HK$909/mo
Today · 4.125%
HK$35,222
baseline
▲ 0.50% · 4.625%
HK$37,079
+HK$1,857/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,444/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,620
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,821
−HK$1,221/mo
Today · 4.125%
HK$41,042
baseline
▲ 0.50% · 4.625%
HK$43,539
+HK$2,497/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,084/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,964
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,117
−HK$1,169/mo
Today · 4.125%
HK$45,286
baseline
▲ 0.50% · 4.625%
HK$47,673
+HK$2,387/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,572/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,928 · 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).