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$21,426
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,093
−HK$677/mo
Today · 4.125%
HK$22,770
baseline
▲ 0.50% · 4.625%
HK$24,156
+HK$1,386/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,540/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,837
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,476
−HK$649/mo
Today · 4.125%
HK$25,125
baseline
▲ 0.50% · 4.625%
HK$26,449
+HK$1,324/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,250/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$309,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,712
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,512
−HK$812/mo
Today · 4.125%
HK$27,324
baseline
▲ 0.50% · 4.625%
HK$28,987
+HK$1,663/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$54,648/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,604
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,371
−HK$778/mo
Today · 4.125%
HK$30,149
baseline
▲ 0.50% · 4.625%
HK$31,739
+HK$1,590/mo
Deposit HK$3.76M · loan HK$5.64M · min. income ≈ HK$60,298/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,997
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,930
−HK$948/mo
Today · 4.125%
HK$31,878
baseline
▲ 0.50% · 4.625%
HK$33,818
+HK$1,940/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$63,756/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,371
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,266
−HK$908/mo
Today · 4.125%
HK$35,174
baseline
▲ 0.50% · 4.625%
HK$37,028
+HK$1,854/mo
Deposit HK$2.82M · loan HK$6.58M · min. income ≈ HK$70,348/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,568
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,767
−HK$1,219/mo
Today · 4.125%
HK$40,986
baseline
▲ 0.50% · 4.625%
HK$43,480
+HK$2,494/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$81,972/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,906
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,057
−HK$1,167/mo
Today · 4.125%
HK$45,224
baseline
▲ 0.50% · 4.625%
HK$47,608
+HK$2,384/mo
Deposit HK$940K · loan HK$8.46M · min. income ≈ HK$90,448/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,652 · 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).