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$21,496
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,164
−HK$680/mo
Today · 4.125%
HK$22,844
baseline
▲ 0.50% · 4.625%
HK$24,234
+HK$1,390/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,688/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,914
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,555
−HK$651/mo
Today · 4.125%
HK$25,206
baseline
▲ 0.50% · 4.625%
HK$26,534
+HK$1,328/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,412/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,795
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,597
−HK$815/mo
Today · 4.125%
HK$27,412
baseline
▲ 0.50% · 4.625%
HK$29,080
+HK$1,668/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,824/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,697
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,466
−HK$781/mo
Today · 4.125%
HK$30,247
baseline
▲ 0.50% · 4.625%
HK$31,841
+HK$1,594/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,494/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,094
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,030
−HK$951/mo
Today · 4.125%
HK$31,981
baseline
▲ 0.50% · 4.625%
HK$33,927
+HK$1,946/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,962/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,479
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,377
−HK$911/mo
Today · 4.125%
HK$35,288
baseline
▲ 0.50% · 4.625%
HK$37,148
+HK$1,860/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,576/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,692
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,896
−HK$1,223/mo
Today · 4.125%
HK$41,119
baseline
▲ 0.50% · 4.625%
HK$43,621
+HK$2,502/mo
Deposit HK$943K · loan HK$8.48M · min. income ≈ HK$82,238/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,045
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,199
−HK$1,171/mo
Today · 4.125%
HK$45,370
baseline
▲ 0.50% · 4.625%
HK$47,762
+HK$2,392/mo
Deposit HK$943K · loan HK$8.48M · min. income ≈ HK$90,740/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,688 · 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).