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$21,464
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,131
−HK$679/mo
Today · 4.125%
HK$22,810
baseline
▲ 0.50% · 4.625%
HK$24,198
+HK$1,388/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,620/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,878
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,519
−HK$649/mo
Today · 4.125%
HK$25,168
baseline
▲ 0.50% · 4.625%
HK$26,495
+HK$1,327/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,336/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,757
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,558
−HK$814/mo
Today · 4.125%
HK$27,372
baseline
▲ 0.50% · 4.625%
HK$29,037
+HK$1,665/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,744/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,654
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,422
−HK$780/mo
Today · 4.125%
HK$30,202
baseline
▲ 0.50% · 4.625%
HK$31,794
+HK$1,592/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,404/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,049
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,984
−HK$950/mo
Today · 4.125%
HK$31,934
baseline
▲ 0.50% · 4.625%
HK$33,877
+HK$1,943/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,868/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,430
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,326
−HK$910/mo
Today · 4.125%
HK$35,236
baseline
▲ 0.50% · 4.625%
HK$37,093
+HK$1,857/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,472/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,635
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,837
−HK$1,221/mo
Today · 4.125%
HK$41,058
baseline
▲ 0.50% · 4.625%
HK$43,556
+HK$2,498/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,116/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,981
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,134
−HK$1,169/mo
Today · 4.125%
HK$45,303
baseline
▲ 0.50% · 4.625%
HK$47,691
+HK$2,388/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,606/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,290 · 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).