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$21,493
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,162
−HK$679/mo
Today · 4.125%
HK$22,841
baseline
▲ 0.50% · 4.625%
HK$24,231
+HK$1,390/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,682/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,911
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,552
−HK$651/mo
Today · 4.125%
HK$25,203
baseline
▲ 0.50% · 4.625%
HK$26,531
+HK$1,328/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,406/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,792
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,594
−HK$815/mo
Today · 4.125%
HK$27,409
baseline
▲ 0.50% · 4.625%
HK$29,077
+HK$1,668/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,818/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,693
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,462
−HK$781/mo
Today · 4.125%
HK$30,243
baseline
▲ 0.50% · 4.625%
HK$31,837
+HK$1,594/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,486/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,090
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,026
−HK$951/mo
Today · 4.125%
HK$31,977
baseline
▲ 0.50% · 4.625%
HK$33,923
+HK$1,946/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,954/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,475
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,373
−HK$911/mo
Today · 4.125%
HK$35,284
baseline
▲ 0.50% · 4.625%
HK$37,143
+HK$1,859/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,568/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,687
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,891
−HK$1,222/mo
Today · 4.125%
HK$41,113
baseline
▲ 0.50% · 4.625%
HK$43,615
+HK$2,502/mo
Deposit HK$943K · loan HK$8.48M · min. income ≈ HK$82,226/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,039
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,194
−HK$1,171/mo
Today · 4.125%
HK$45,365
baseline
▲ 0.50% · 4.625%
HK$47,756
+HK$2,391/mo
Deposit HK$943K · loan HK$8.48M · min. income ≈ HK$90,730/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,569 · 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).