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$21,422
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,088
−HK$677/mo
Today · 4.125%
HK$22,765
baseline
▲ 0.50% · 4.625%
HK$24,150
+HK$1,385/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,530/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,831
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,470
−HK$649/mo
Today · 4.125%
HK$25,119
baseline
▲ 0.50% · 4.625%
HK$26,443
+HK$1,324/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,238/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,706
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,505
−HK$813/mo
Today · 4.125%
HK$27,318
baseline
▲ 0.50% · 4.625%
HK$28,980
+HK$1,662/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,636/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,597
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,364
−HK$779/mo
Today · 4.125%
HK$30,143
baseline
▲ 0.50% · 4.625%
HK$31,731
+HK$1,588/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,286/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,990
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,923
−HK$948/mo
Today · 4.125%
HK$31,871
baseline
▲ 0.50% · 4.625%
HK$33,810
+HK$1,939/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,742/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,364
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,259
−HK$907/mo
Today · 4.125%
HK$35,166
baseline
▲ 0.50% · 4.625%
HK$37,020
+HK$1,854/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,332/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,559
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,758
−HK$1,219/mo
Today · 4.125%
HK$40,977
baseline
▲ 0.50% · 4.625%
HK$43,470
+HK$2,493/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,954/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,896
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,047
−HK$1,167/mo
Today · 4.125%
HK$45,214
baseline
▲ 0.50% · 4.625%
HK$47,597
+HK$2,383/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,428/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,436 · 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).