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$22,162
−HK$680/mo
Today · 4.125%
HK$22,842
baseline
▲ 0.50% · 4.625%
HK$24,231
+HK$1,389/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$312,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,911
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,553
−HK$650/mo
Today · 4.125%
HK$25,203
baseline
▲ 0.50% · 4.625%
HK$26,532
+HK$1,329/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,406/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,792
−HK$1,618/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$312,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,694
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,463
−HK$781/mo
Today · 4.125%
HK$30,244
baseline
▲ 0.50% · 4.625%
HK$31,838
+HK$1,594/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,488/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,091
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,027
−HK$951/mo
Today · 4.125%
HK$31,978
baseline
▲ 0.50% · 4.625%
HK$33,924
+HK$1,946/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,956/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,476
−HK$1,809/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$312,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,689
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,892
−HK$1,223/mo
Today · 4.125%
HK$41,115
baseline
▲ 0.50% · 4.625%
HK$43,616
+HK$2,501/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$312,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,041
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,195
−HK$1,171/mo
Today · 4.125%
HK$45,366
baseline
▲ 0.50% · 4.625%
HK$47,757
+HK$2,391/mo
Deposit HK$943K · loan HK$8.48M · min. income ≈ HK$90,732/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,599 · 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).