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$21,490
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,158
−HK$679/mo
Today · 4.125%
HK$22,837
baseline
▲ 0.50% · 4.625%
HK$24,227
+HK$1,390/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,674/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$312,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,907
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,548
−HK$651/mo
Today · 4.125%
HK$25,199
baseline
▲ 0.50% · 4.625%
HK$26,527
+HK$1,328/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,398/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$312,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,788
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,590
−HK$815/mo
Today · 4.125%
HK$27,405
baseline
▲ 0.50% · 4.625%
HK$29,072
+HK$1,667/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,810/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,689
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,458
−HK$781/mo
Today · 4.125%
HK$30,239
baseline
▲ 0.50% · 4.625%
HK$31,832
+HK$1,593/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,478/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,086
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,022
−HK$950/mo
Today · 4.125%
HK$31,972
baseline
▲ 0.50% · 4.625%
HK$33,918
+HK$1,946/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,944/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,470
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,368
−HK$910/mo
Today · 4.125%
HK$35,278
baseline
▲ 0.50% · 4.625%
HK$37,138
+HK$1,860/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,556/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,682
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,885
−HK$1,222/mo
Today · 4.125%
HK$41,107
baseline
▲ 0.50% · 4.625%
HK$43,609
+HK$2,502/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,214/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,033
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,187
−HK$1,171/mo
Today · 4.125%
HK$45,358
baseline
▲ 0.50% · 4.625%
HK$47,749
+HK$2,391/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,716/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,428 · 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).