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$21,483
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,151
−HK$679/mo
Today · 4.125%
HK$22,830
baseline
▲ 0.50% · 4.625%
HK$24,219
+HK$1,389/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,660/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$312,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,899
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,540
−HK$650/mo
Today · 4.125%
HK$25,190
baseline
▲ 0.50% · 4.625%
HK$26,518
+HK$1,328/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,380/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$312,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,779
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,581
−HK$815/mo
Today · 4.125%
HK$27,396
baseline
▲ 0.50% · 4.625%
HK$29,063
+HK$1,667/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,792/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,679
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,448
−HK$780/mo
Today · 4.125%
HK$30,228
baseline
▲ 0.50% · 4.625%
HK$31,822
+HK$1,594/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,456/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,076
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,011
−HK$951/mo
Today · 4.125%
HK$31,962
baseline
▲ 0.50% · 4.625%
HK$33,906
+HK$1,944/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$63,924/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,459
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,356
−HK$911/mo
Today · 4.125%
HK$35,267
baseline
▲ 0.50% · 4.625%
HK$37,126
+HK$1,859/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$70,534/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,669
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,872
−HK$1,222/mo
Today · 4.125%
HK$41,094
baseline
▲ 0.50% · 4.625%
HK$43,594
+HK$2,500/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,188/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,019
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,172
−HK$1,171/mo
Today · 4.125%
HK$45,343
baseline
▲ 0.50% · 4.625%
HK$47,733
+HK$2,390/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,686/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,115 · 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).