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$21,482
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,150
−HK$679/mo
Today · 4.125%
HK$22,829
baseline
▲ 0.50% · 4.625%
HK$24,219
+HK$1,390/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,658/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$312,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,899
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,540
−HK$650/mo
Today · 4.125%
HK$25,190
baseline
▲ 0.50% · 4.625%
HK$26,518
+HK$1,328/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,380/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$312,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,779
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,581
−HK$814/mo
Today · 4.125%
HK$27,395
baseline
▲ 0.50% · 4.625%
HK$29,062
+HK$1,667/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,790/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,679
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,448
−HK$780/mo
Today · 4.125%
HK$30,228
baseline
▲ 0.50% · 4.625%
HK$31,821
+HK$1,593/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,456/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,075
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,011
−HK$950/mo
Today · 4.125%
HK$31,961
baseline
▲ 0.50% · 4.625%
HK$33,906
+HK$1,945/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$63,922/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,458
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,356
−HK$910/mo
Today · 4.125%
HK$35,266
baseline
▲ 0.50% · 4.625%
HK$37,125
+HK$1,859/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$70,532/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,668
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,871
−HK$1,222/mo
Today · 4.125%
HK$41,093
baseline
▲ 0.50% · 4.625%
HK$43,593
+HK$2,500/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,186/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,018
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,172
−HK$1,170/mo
Today · 4.125%
HK$45,342
baseline
▲ 0.50% · 4.625%
HK$47,732
+HK$2,390/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,684/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,099 · 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).