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$21,459
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,127
−HK$678/mo
Today · 4.125%
HK$22,805
baseline
▲ 0.50% · 4.625%
HK$24,192
+HK$1,387/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,610/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,873
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,513
−HK$650/mo
Today · 4.125%
HK$25,163
baseline
▲ 0.50% · 4.625%
HK$26,489
+HK$1,326/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,326/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,751
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,552
−HK$814/mo
Today · 4.125%
HK$27,366
baseline
▲ 0.50% · 4.625%
HK$29,031
+HK$1,665/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$54,732/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,648
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,416
−HK$779/mo
Today · 4.125%
HK$30,195
baseline
▲ 0.50% · 4.625%
HK$31,787
+HK$1,592/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$60,390/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,043
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,977
−HK$950/mo
Today · 4.125%
HK$31,927
baseline
▲ 0.50% · 4.625%
HK$33,869
+HK$1,942/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,854/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$311,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,422
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,319
−HK$909/mo
Today · 4.125%
HK$35,228
baseline
▲ 0.50% · 4.625%
HK$37,085
+HK$1,857/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,456/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$311,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,627
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,828
−HK$1,221/mo
Today · 4.125%
HK$41,049
baseline
▲ 0.50% · 4.625%
HK$43,546
+HK$2,497/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,098/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,972
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,124
−HK$1,169/mo
Today · 4.125%
HK$45,293
baseline
▲ 0.50% · 4.625%
HK$47,681
+HK$2,388/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,586/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,086 · 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).