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$21,466
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,134
−HK$679/mo
Today · 4.125%
HK$22,813
baseline
▲ 0.50% · 4.625%
HK$24,201
+HK$1,388/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,626/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,881
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,522
−HK$649/mo
Today · 4.125%
HK$25,171
baseline
▲ 0.50% · 4.625%
HK$26,498
+HK$1,327/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,342/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,760
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,561
−HK$814/mo
Today · 4.125%
HK$27,375
baseline
▲ 0.50% · 4.625%
HK$29,041
+HK$1,666/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,750/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,657
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,426
−HK$780/mo
Today · 4.125%
HK$30,206
baseline
▲ 0.50% · 4.625%
HK$31,798
+HK$1,592/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,412/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,053
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,988
−HK$950/mo
Today · 4.125%
HK$31,938
baseline
▲ 0.50% · 4.625%
HK$33,881
+HK$1,943/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,876/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,434
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,330
−HK$910/mo
Today · 4.125%
HK$35,240
baseline
▲ 0.50% · 4.625%
HK$37,098
+HK$1,858/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,480/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,640
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,841
−HK$1,222/mo
Today · 4.125%
HK$41,063
baseline
▲ 0.50% · 4.625%
HK$43,561
+HK$2,498/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,126/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,986
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,139
−HK$1,170/mo
Today · 4.125%
HK$45,309
baseline
▲ 0.50% · 4.625%
HK$47,697
+HK$2,388/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,618/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,404 · 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).