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$21,484
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,153
−HK$679/mo
Today · 4.125%
HK$22,832
baseline
▲ 0.50% · 4.625%
HK$24,221
+HK$1,389/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,664/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$312,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,901
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,542
−HK$650/mo
Today · 4.125%
HK$25,192
baseline
▲ 0.50% · 4.625%
HK$26,520
+HK$1,328/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,384/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$312,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,781
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,583
−HK$815/mo
Today · 4.125%
HK$27,398
baseline
▲ 0.50% · 4.625%
HK$29,065
+HK$1,667/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,796/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,681
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,451
−HK$780/mo
Today · 4.125%
HK$30,231
baseline
▲ 0.50% · 4.625%
HK$31,824
+HK$1,593/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,462/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,078
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,014
−HK$950/mo
Today · 4.125%
HK$31,964
baseline
▲ 0.50% · 4.625%
HK$33,909
+HK$1,945/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,928/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,462
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,359
−HK$910/mo
Today · 4.125%
HK$35,269
baseline
▲ 0.50% · 4.625%
HK$37,129
+HK$1,860/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,538/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,672
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,875
−HK$1,222/mo
Today · 4.125%
HK$41,097
baseline
▲ 0.50% · 4.625%
HK$43,598
+HK$2,501/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,194/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,022
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,176
−HK$1,170/mo
Today · 4.125%
HK$45,346
baseline
▲ 0.50% · 4.625%
HK$47,737
+HK$2,391/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,692/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,191 · 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).