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$21,493
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,161
−HK$680/mo
Today · 4.125%
HK$22,841
baseline
▲ 0.50% · 4.625%
HK$24,230
+HK$1,389/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,682/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,910
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,552
−HK$650/mo
Today · 4.125%
HK$25,202
baseline
▲ 0.50% · 4.625%
HK$26,531
+HK$1,329/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,404/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,791
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,594
−HK$815/mo
Today · 4.125%
HK$27,409
baseline
▲ 0.50% · 4.625%
HK$29,076
+HK$1,667/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,818/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,693
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,462
−HK$781/mo
Today · 4.125%
HK$30,243
baseline
▲ 0.50% · 4.625%
HK$31,837
+HK$1,594/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,486/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,090
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,026
−HK$951/mo
Today · 4.125%
HK$31,977
baseline
▲ 0.50% · 4.625%
HK$33,922
+HK$1,945/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,954/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,475
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,372
−HK$911/mo
Today · 4.125%
HK$35,283
baseline
▲ 0.50% · 4.625%
HK$37,143
+HK$1,860/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,566/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,687
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,890
−HK$1,223/mo
Today · 4.125%
HK$41,113
baseline
▲ 0.50% · 4.625%
HK$43,615
+HK$2,502/mo
Deposit HK$943K · loan HK$8.48M · min. income ≈ HK$82,226/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,039
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,193
−HK$1,171/mo
Today · 4.125%
HK$45,364
baseline
▲ 0.50% · 4.625%
HK$47,755
+HK$2,391/mo
Deposit HK$943K · loan HK$8.48M · min. income ≈ HK$90,728/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,560 · 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).