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$21,467
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,135
−HK$679/mo
Today · 4.125%
HK$22,814
baseline
▲ 0.50% · 4.625%
HK$24,202
+HK$1,388/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,628/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,882
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,523
−HK$649/mo
Today · 4.125%
HK$25,172
baseline
▲ 0.50% · 4.625%
HK$26,499
+HK$1,327/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,344/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,761
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,562
−HK$814/mo
Today · 4.125%
HK$27,376
baseline
▲ 0.50% · 4.625%
HK$29,042
+HK$1,666/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,752/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,659
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,427
−HK$780/mo
Today · 4.125%
HK$30,207
baseline
▲ 0.50% · 4.625%
HK$31,799
+HK$1,592/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,414/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,054
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,989
−HK$950/mo
Today · 4.125%
HK$31,939
baseline
▲ 0.50% · 4.625%
HK$33,882
+HK$1,943/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,878/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,435
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,332
−HK$909/mo
Today · 4.125%
HK$35,241
baseline
▲ 0.50% · 4.625%
HK$37,099
+HK$1,858/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,482/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,641
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,843
−HK$1,221/mo
Today · 4.125%
HK$41,064
baseline
▲ 0.50% · 4.625%
HK$43,563
+HK$2,499/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,128/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,988
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,141
−HK$1,169/mo
Today · 4.125%
HK$45,310
baseline
▲ 0.50% · 4.625%
HK$47,699
+HK$2,389/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,620/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,445 · 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).