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$21,486
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,155
−HK$679/mo
Today · 4.125%
HK$22,834
baseline
▲ 0.50% · 4.625%
HK$24,223
+HK$1,389/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,668/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$312,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,903
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,544
−HK$651/mo
Today · 4.125%
HK$25,195
baseline
▲ 0.50% · 4.625%
HK$26,523
+HK$1,328/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,390/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$312,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,784
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,586
−HK$815/mo
Today · 4.125%
HK$27,401
baseline
▲ 0.50% · 4.625%
HK$29,068
+HK$1,667/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,802/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,684
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,453
−HK$781/mo
Today · 4.125%
HK$30,234
baseline
▲ 0.50% · 4.625%
HK$31,827
+HK$1,593/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,468/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,081
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,017
−HK$950/mo
Today · 4.125%
HK$31,967
baseline
▲ 0.50% · 4.625%
HK$33,912
+HK$1,945/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,934/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,465
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,362
−HK$911/mo
Today · 4.125%
HK$35,273
baseline
▲ 0.50% · 4.625%
HK$37,132
+HK$1,859/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,546/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,675
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,878
−HK$1,223/mo
Today · 4.125%
HK$41,101
baseline
▲ 0.50% · 4.625%
HK$43,602
+HK$2,501/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,202/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,026
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,180
−HK$1,171/mo
Today · 4.125%
HK$45,351
baseline
▲ 0.50% · 4.625%
HK$47,741
+HK$2,390/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,702/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,279 · 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).