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$21,475
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,143
−HK$679/mo
Today · 4.125%
HK$22,822
baseline
▲ 0.50% · 4.625%
HK$24,211
+HK$1,389/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,644/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,891
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,532
−HK$650/mo
Today · 4.125%
HK$25,182
baseline
▲ 0.50% · 4.625%
HK$26,509
+HK$1,327/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,364/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,771
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,572
−HK$815/mo
Today · 4.125%
HK$27,387
baseline
▲ 0.50% · 4.625%
HK$29,053
+HK$1,666/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,774/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,669
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,438
−HK$780/mo
Today · 4.125%
HK$30,218
baseline
▲ 0.50% · 4.625%
HK$31,811
+HK$1,593/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,436/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,066
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$31,001
−HK$950/mo
Today · 4.125%
HK$31,951
baseline
▲ 0.50% · 4.625%
HK$33,895
+HK$1,944/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$63,902/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,448
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,345
−HK$910/mo
Today · 4.125%
HK$35,255
baseline
▲ 0.50% · 4.625%
HK$37,113
+HK$1,858/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$70,510/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,656
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,858
−HK$1,222/mo
Today · 4.125%
HK$41,080
baseline
▲ 0.50% · 4.625%
HK$43,579
+HK$2,499/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,160/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,004
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,158
−HK$1,170/mo
Today · 4.125%
HK$45,328
baseline
▲ 0.50% · 4.625%
HK$47,717
+HK$2,389/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,656/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,800 · 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).