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$21,479
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,147
−HK$679/mo
Today · 4.125%
HK$22,826
baseline
▲ 0.50% · 4.625%
HK$24,214
+HK$1,388/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,652/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,895
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,536
−HK$650/mo
Today · 4.125%
HK$25,186
baseline
▲ 0.50% · 4.625%
HK$26,513
+HK$1,327/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,372/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,774
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,576
−HK$815/mo
Today · 4.125%
HK$27,391
baseline
▲ 0.50% · 4.625%
HK$29,057
+HK$1,666/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,782/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,674
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,443
−HK$780/mo
Today · 4.125%
HK$30,223
baseline
▲ 0.50% · 4.625%
HK$31,816
+HK$1,593/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,446/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,070
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,005
−HK$951/mo
Today · 4.125%
HK$31,956
baseline
▲ 0.50% · 4.625%
HK$33,900
+HK$1,944/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$63,912/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,453
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,350
−HK$910/mo
Today · 4.125%
HK$35,260
baseline
▲ 0.50% · 4.625%
HK$37,119
+HK$1,859/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$70,520/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,662
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,864
−HK$1,222/mo
Today · 4.125%
HK$41,086
baseline
▲ 0.50% · 4.625%
HK$43,586
+HK$2,500/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,172/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,011
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,164
−HK$1,170/mo
Today · 4.125%
HK$45,334
baseline
▲ 0.50% · 4.625%
HK$47,724
+HK$2,390/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,668/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,941 · 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).