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$21,461
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,129
−HK$678/mo
Today · 4.125%
HK$22,807
baseline
▲ 0.50% · 4.625%
HK$24,195
+HK$1,388/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,614/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,875
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,516
−HK$649/mo
Today · 4.125%
HK$25,165
baseline
▲ 0.50% · 4.625%
HK$26,492
+HK$1,327/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,330/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,753
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,554
−HK$814/mo
Today · 4.125%
HK$27,368
baseline
▲ 0.50% · 4.625%
HK$29,034
+HK$1,666/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$54,736/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,650
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,419
−HK$779/mo
Today · 4.125%
HK$30,198
baseline
▲ 0.50% · 4.625%
HK$31,790
+HK$1,592/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$60,396/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,046
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,980
−HK$950/mo
Today · 4.125%
HK$31,930
baseline
▲ 0.50% · 4.625%
HK$33,872
+HK$1,942/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,860/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$311,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,425
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,322
−HK$909/mo
Today · 4.125%
HK$35,231
baseline
▲ 0.50% · 4.625%
HK$37,088
+HK$1,857/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,462/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$311,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,630
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,832
−HK$1,220/mo
Today · 4.125%
HK$41,052
baseline
▲ 0.50% · 4.625%
HK$43,550
+HK$2,498/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,104/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,975
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,128
−HK$1,169/mo
Today · 4.125%
HK$45,297
baseline
▲ 0.50% · 4.625%
HK$47,685
+HK$2,388/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,594/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,170 · 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).