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$21,481
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,149
−HK$679/mo
Today · 4.125%
HK$22,828
baseline
▲ 0.50% · 4.625%
HK$24,217
+HK$1,389/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,656/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$312,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,898
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,538
−HK$651/mo
Today · 4.125%
HK$25,189
baseline
▲ 0.50% · 4.625%
HK$26,516
+HK$1,327/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,378/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$312,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,777
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,579
−HK$815/mo
Today · 4.125%
HK$27,394
baseline
▲ 0.50% · 4.625%
HK$29,061
+HK$1,667/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,788/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,677
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,446
−HK$780/mo
Today · 4.125%
HK$30,226
baseline
▲ 0.50% · 4.625%
HK$31,820
+HK$1,594/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,452/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,074
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$31,009
−HK$950/mo
Today · 4.125%
HK$31,959
baseline
▲ 0.50% · 4.625%
HK$33,904
+HK$1,945/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$63,918/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,457
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,354
−HK$910/mo
Today · 4.125%
HK$35,264
baseline
▲ 0.50% · 4.625%
HK$37,123
+HK$1,859/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$70,528/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,666
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,869
−HK$1,222/mo
Today · 4.125%
HK$41,091
baseline
▲ 0.50% · 4.625%
HK$43,591
+HK$2,500/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,182/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,016
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,169
−HK$1,171/mo
Today · 4.125%
HK$45,340
baseline
▲ 0.50% · 4.625%
HK$47,729
+HK$2,389/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,680/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,048 · 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).