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$21,446
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,113
−HK$678/mo
Today · 4.125%
HK$22,791
baseline
▲ 0.50% · 4.625%
HK$24,178
+HK$1,387/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,582/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,859
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,499
−HK$649/mo
Today · 4.125%
HK$25,148
baseline
▲ 0.50% · 4.625%
HK$26,473
+HK$1,325/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,296/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$310,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,735
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,536
−HK$813/mo
Today · 4.125%
HK$27,349
baseline
▲ 0.50% · 4.625%
HK$29,013
+HK$1,664/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,698/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,630
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,398
−HK$779/mo
Today · 4.125%
HK$30,177
baseline
▲ 0.50% · 4.625%
HK$31,768
+HK$1,591/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,354/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$310,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,025
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,959
−HK$949/mo
Today · 4.125%
HK$31,908
baseline
▲ 0.50% · 4.625%
HK$33,849
+HK$1,941/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,816/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,402
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,298
−HK$909/mo
Today · 4.125%
HK$35,207
baseline
▲ 0.50% · 4.625%
HK$37,063
+HK$1,856/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,414/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$310,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,603
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,804
−HK$1,220/mo
Today · 4.125%
HK$41,024
baseline
▲ 0.50% · 4.625%
HK$43,520
+HK$2,496/mo
Deposit HK$941K · loan HK$8.46M · min. income ≈ HK$82,048/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,946
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,098
−HK$1,168/mo
Today · 4.125%
HK$45,266
baseline
▲ 0.50% · 4.625%
HK$47,652
+HK$2,386/mo
Deposit HK$941K · loan HK$8.46M · min. income ≈ HK$90,532/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$310,520 · 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).