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$21,461
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,128
−HK$678/mo
Today · 4.125%
HK$22,806
baseline
▲ 0.50% · 4.625%
HK$24,194
+HK$1,388/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,612/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,875
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,515
−HK$649/mo
Today · 4.125%
HK$25,164
baseline
▲ 0.50% · 4.625%
HK$26,491
+HK$1,327/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,328/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,753
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,554
−HK$814/mo
Today · 4.125%
HK$27,368
baseline
▲ 0.50% · 4.625%
HK$29,033
+HK$1,665/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$54,736/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,650
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,418
−HK$779/mo
Today · 4.125%
HK$30,197
baseline
▲ 0.50% · 4.625%
HK$31,789
+HK$1,592/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$60,394/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,045
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,979
−HK$950/mo
Today · 4.125%
HK$31,929
baseline
▲ 0.50% · 4.625%
HK$33,872
+HK$1,943/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,858/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$311,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,424
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,321
−HK$909/mo
Today · 4.125%
HK$35,230
baseline
▲ 0.50% · 4.625%
HK$37,087
+HK$1,857/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,460/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$311,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,629
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,831
−HK$1,220/mo
Today · 4.125%
HK$41,051
baseline
▲ 0.50% · 4.625%
HK$43,549
+HK$2,498/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,102/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,974
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,127
−HK$1,169/mo
Today · 4.125%
HK$45,296
baseline
▲ 0.50% · 4.625%
HK$47,684
+HK$2,388/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,592/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,146 · 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).