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$21,468
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,136
−HK$678/mo
Today · 4.125%
HK$22,814
baseline
▲ 0.50% · 4.625%
HK$24,203
+HK$1,389/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,628/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,883
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,524
−HK$649/mo
Today · 4.125%
HK$25,173
baseline
▲ 0.50% · 4.625%
HK$26,500
+HK$1,327/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,346/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,762
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,563
−HK$814/mo
Today · 4.125%
HK$27,377
baseline
▲ 0.50% · 4.625%
HK$29,043
+HK$1,666/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,754/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,660
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,428
−HK$780/mo
Today · 4.125%
HK$30,208
baseline
▲ 0.50% · 4.625%
HK$31,801
+HK$1,593/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,416/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,055
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,990
−HK$950/mo
Today · 4.125%
HK$31,940
baseline
▲ 0.50% · 4.625%
HK$33,884
+HK$1,944/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,880/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,436
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,333
−HK$910/mo
Today · 4.125%
HK$35,243
baseline
▲ 0.50% · 4.625%
HK$37,101
+HK$1,858/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,486/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,643
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,845
−HK$1,221/mo
Today · 4.125%
HK$41,066
baseline
▲ 0.50% · 4.625%
HK$43,565
+HK$2,499/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,132/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,990
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,143
−HK$1,169/mo
Today · 4.125%
HK$45,312
baseline
▲ 0.50% · 4.625%
HK$47,701
+HK$2,389/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,624/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,482 · 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).