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$21,499
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,167
−HK$680/mo
Today · 4.125%
HK$22,847
baseline
▲ 0.50% · 4.625%
HK$24,237
+HK$1,390/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,694/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,917
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,558
−HK$651/mo
Today · 4.125%
HK$25,209
baseline
▲ 0.50% · 4.625%
HK$26,538
+HK$1,329/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,418/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,798
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,601
−HK$815/mo
Today · 4.125%
HK$27,416
baseline
▲ 0.50% · 4.625%
HK$29,084
+HK$1,668/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,832/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,700
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,470
−HK$781/mo
Today · 4.125%
HK$30,251
baseline
▲ 0.50% · 4.625%
HK$31,845
+HK$1,594/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,502/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,098
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,034
−HK$951/mo
Today · 4.125%
HK$31,985
baseline
▲ 0.50% · 4.625%
HK$33,932
+HK$1,947/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,970/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,484
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,382
−HK$911/mo
Today · 4.125%
HK$35,293
baseline
▲ 0.50% · 4.625%
HK$37,153
+HK$1,860/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,586/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,697
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,901
−HK$1,223/mo
Today · 4.125%
HK$41,124
baseline
▲ 0.50% · 4.625%
HK$43,626
+HK$2,502/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$82,248/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,051
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,205
−HK$1,171/mo
Today · 4.125%
HK$45,376
baseline
▲ 0.50% · 4.625%
HK$47,768
+HK$2,392/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$90,752/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,814 · 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).