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$21,492
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,160
−HK$680/mo
Today · 4.125%
HK$22,840
baseline
▲ 0.50% · 4.625%
HK$24,229
+HK$1,389/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,680/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,910
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,551
−HK$650/mo
Today · 4.125%
HK$25,201
baseline
▲ 0.50% · 4.625%
HK$26,530
+HK$1,329/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,402/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,790
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,593
−HK$815/mo
Today · 4.125%
HK$27,408
baseline
▲ 0.50% · 4.625%
HK$29,075
+HK$1,667/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,816/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,691
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,461
−HK$781/mo
Today · 4.125%
HK$30,242
baseline
▲ 0.50% · 4.625%
HK$31,836
+HK$1,594/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,484/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,089
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,025
−HK$951/mo
Today · 4.125%
HK$31,976
baseline
▲ 0.50% · 4.625%
HK$33,921
+HK$1,945/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,952/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,473
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,371
−HK$911/mo
Today · 4.125%
HK$35,282
baseline
▲ 0.50% · 4.625%
HK$37,142
+HK$1,860/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,564/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,685
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,889
−HK$1,222/mo
Today · 4.125%
HK$41,111
baseline
▲ 0.50% · 4.625%
HK$43,613
+HK$2,502/mo
Deposit HK$943K · loan HK$8.48M · min. income ≈ HK$82,222/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,037
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,191
−HK$1,171/mo
Today · 4.125%
HK$45,362
baseline
▲ 0.50% · 4.625%
HK$47,753
+HK$2,391/mo
Deposit HK$943K · loan HK$8.48M · min. income ≈ HK$90,724/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,522 · 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).