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$21,491
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,160
−HK$679/mo
Today · 4.125%
HK$22,839
baseline
▲ 0.50% · 4.625%
HK$24,228
+HK$1,389/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,678/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$312,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,909
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,550
−HK$650/mo
Today · 4.125%
HK$25,200
baseline
▲ 0.50% · 4.625%
HK$26,529
+HK$1,329/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,400/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$312,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,789
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,591
−HK$815/mo
Today · 4.125%
HK$27,406
baseline
▲ 0.50% · 4.625%
HK$29,074
+HK$1,668/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,812/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,690
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,460
−HK$780/mo
Today · 4.125%
HK$30,240
baseline
▲ 0.50% · 4.625%
HK$31,834
+HK$1,594/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,480/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,087
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,023
−HK$951/mo
Today · 4.125%
HK$31,974
baseline
▲ 0.50% · 4.625%
HK$33,920
+HK$1,946/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,948/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,472
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,370
−HK$910/mo
Today · 4.125%
HK$35,280
baseline
▲ 0.50% · 4.625%
HK$37,140
+HK$1,860/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,560/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,684
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,887
−HK$1,223/mo
Today · 4.125%
HK$41,110
baseline
▲ 0.50% · 4.625%
HK$43,611
+HK$2,501/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,220/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,035
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,190
−HK$1,170/mo
Today · 4.125%
HK$45,360
baseline
▲ 0.50% · 4.625%
HK$47,751
+HK$2,391/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,720/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,483 · 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).