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$21,488
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,156
−HK$679/mo
Today · 4.125%
HK$22,835
baseline
▲ 0.50% · 4.625%
HK$24,225
+HK$1,390/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,670/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$312,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,905
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,546
−HK$651/mo
Today · 4.125%
HK$25,197
baseline
▲ 0.50% · 4.625%
HK$26,525
+HK$1,328/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,394/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$312,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,785
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,588
−HK$814/mo
Today · 4.125%
HK$27,402
baseline
▲ 0.50% · 4.625%
HK$29,070
+HK$1,668/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,804/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,686
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,455
−HK$781/mo
Today · 4.125%
HK$30,236
baseline
▲ 0.50% · 4.625%
HK$31,830
+HK$1,594/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,472/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,083
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,019
−HK$950/mo
Today · 4.125%
HK$31,969
baseline
▲ 0.50% · 4.625%
HK$33,915
+HK$1,946/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,938/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,467
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,365
−HK$910/mo
Today · 4.125%
HK$35,275
baseline
▲ 0.50% · 4.625%
HK$37,135
+HK$1,860/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,550/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,678
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,881
−HK$1,223/mo
Today · 4.125%
HK$41,104
baseline
▲ 0.50% · 4.625%
HK$43,605
+HK$2,501/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,208/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,029
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,183
−HK$1,171/mo
Today · 4.125%
HK$45,354
baseline
▲ 0.50% · 4.625%
HK$47,744
+HK$2,390/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,708/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,344 · 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).