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$21,469
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,137
−HK$678/mo
Today · 4.125%
HK$22,815
baseline
▲ 0.50% · 4.625%
HK$24,203
+HK$1,388/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,630/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,884
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,524
−HK$650/mo
Today · 4.125%
HK$25,174
baseline
▲ 0.50% · 4.625%
HK$26,501
+HK$1,327/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,348/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,763
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,564
−HK$814/mo
Today · 4.125%
HK$27,378
baseline
▲ 0.50% · 4.625%
HK$29,044
+HK$1,666/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,756/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,661
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,429
−HK$780/mo
Today · 4.125%
HK$30,209
baseline
▲ 0.50% · 4.625%
HK$31,801
+HK$1,592/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,418/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,056
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,991
−HK$950/mo
Today · 4.125%
HK$31,941
baseline
▲ 0.50% · 4.625%
HK$33,885
+HK$1,944/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,882/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,437
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,334
−HK$910/mo
Today · 4.125%
HK$35,244
baseline
▲ 0.50% · 4.625%
HK$37,102
+HK$1,858/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,488/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,644
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,846
−HK$1,221/mo
Today · 4.125%
HK$41,067
baseline
▲ 0.50% · 4.625%
HK$43,566
+HK$2,499/mo
Deposit HK$942K · loan HK$8.47M · min. income ≈ HK$82,134/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,991
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,144
−HK$1,170/mo
Today · 4.125%
HK$45,314
baseline
▲ 0.50% · 4.625%
HK$47,702
+HK$2,388/mo
Deposit HK$942K · loan HK$8.47M · min. income ≈ HK$90,628/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,509 · 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).