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$21,477
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,145
−HK$679/mo
Today · 4.125%
HK$22,824
baseline
▲ 0.50% · 4.625%
HK$24,213
+HK$1,389/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,648/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,893
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,534
−HK$650/mo
Today · 4.125%
HK$25,184
baseline
▲ 0.50% · 4.625%
HK$26,511
+HK$1,327/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,368/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,772
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,574
−HK$815/mo
Today · 4.125%
HK$27,389
baseline
▲ 0.50% · 4.625%
HK$29,055
+HK$1,666/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,778/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,672
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,441
−HK$780/mo
Today · 4.125%
HK$30,221
baseline
▲ 0.50% · 4.625%
HK$31,814
+HK$1,593/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,442/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,068
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$31,003
−HK$950/mo
Today · 4.125%
HK$31,953
baseline
▲ 0.50% · 4.625%
HK$33,898
+HK$1,945/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$63,906/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,450
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,347
−HK$910/mo
Today · 4.125%
HK$35,257
baseline
▲ 0.50% · 4.625%
HK$37,116
+HK$1,859/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$70,514/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,659
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,861
−HK$1,222/mo
Today · 4.125%
HK$41,083
baseline
▲ 0.50% · 4.625%
HK$43,583
+HK$2,500/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,166/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,007
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,161
−HK$1,170/mo
Today · 4.125%
HK$45,331
baseline
▲ 0.50% · 4.625%
HK$47,720
+HK$2,389/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,662/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,870 · 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).