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$21,494
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,163
−HK$679/mo
Today · 4.125%
HK$22,842
baseline
▲ 0.50% · 4.625%
HK$24,232
+HK$1,390/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,684/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,912
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,553
−HK$651/mo
Today · 4.125%
HK$25,204
baseline
▲ 0.50% · 4.625%
HK$26,532
+HK$1,328/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,408/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,793
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,595
−HK$815/mo
Today · 4.125%
HK$27,410
baseline
▲ 0.50% · 4.625%
HK$29,078
+HK$1,668/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,820/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,694
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,464
−HK$781/mo
Today · 4.125%
HK$30,245
baseline
▲ 0.50% · 4.625%
HK$31,839
+HK$1,594/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,490/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,092
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,028
−HK$951/mo
Today · 4.125%
HK$31,979
baseline
▲ 0.50% · 4.625%
HK$33,924
+HK$1,945/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,958/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,477
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,374
−HK$911/mo
Today · 4.125%
HK$35,285
baseline
▲ 0.50% · 4.625%
HK$37,145
+HK$1,860/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,570/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,689
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,893
−HK$1,222/mo
Today · 4.125%
HK$41,115
baseline
▲ 0.50% · 4.625%
HK$43,617
+HK$2,502/mo
Deposit HK$943K · loan HK$8.48M · min. income ≈ HK$82,230/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,041
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,196
−HK$1,171/mo
Today · 4.125%
HK$45,367
baseline
▲ 0.50% · 4.625%
HK$47,758
+HK$2,391/mo
Deposit HK$943K · loan HK$8.48M · min. income ≈ HK$90,734/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,616 · 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).