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$21,478
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,146
−HK$679/mo
Today · 4.125%
HK$22,825
baseline
▲ 0.50% · 4.625%
HK$24,214
+HK$1,389/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,650/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,894
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,535
−HK$650/mo
Today · 4.125%
HK$25,185
baseline
▲ 0.50% · 4.625%
HK$26,513
+HK$1,328/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,370/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,774
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,576
−HK$814/mo
Today · 4.125%
HK$27,390
baseline
▲ 0.50% · 4.625%
HK$29,057
+HK$1,667/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,780/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,673
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,442
−HK$780/mo
Today · 4.125%
HK$30,222
baseline
▲ 0.50% · 4.625%
HK$31,815
+HK$1,593/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,444/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,070
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$31,005
−HK$950/mo
Today · 4.125%
HK$31,955
baseline
▲ 0.50% · 4.625%
HK$33,900
+HK$1,945/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$63,910/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,452
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,349
−HK$910/mo
Today · 4.125%
HK$35,259
baseline
▲ 0.50% · 4.625%
HK$37,118
+HK$1,859/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$70,518/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,661
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,863
−HK$1,222/mo
Today · 4.125%
HK$41,085
baseline
▲ 0.50% · 4.625%
HK$43,585
+HK$2,500/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,170/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,010
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,163
−HK$1,171/mo
Today · 4.125%
HK$45,334
baseline
▲ 0.50% · 4.625%
HK$47,723
+HK$2,389/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,668/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,923 · 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).