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$21,471
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,138
−HK$679/mo
Today · 4.125%
HK$22,817
baseline
▲ 0.50% · 4.625%
HK$24,205
+HK$1,388/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,634/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,886
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,526
−HK$650/mo
Today · 4.125%
HK$25,176
baseline
▲ 0.50% · 4.625%
HK$26,503
+HK$1,327/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,352/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,765
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,566
−HK$814/mo
Today · 4.125%
HK$27,380
baseline
▲ 0.50% · 4.625%
HK$29,046
+HK$1,666/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,760/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,663
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,432
−HK$779/mo
Today · 4.125%
HK$30,211
baseline
▲ 0.50% · 4.625%
HK$31,804
+HK$1,593/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,422/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,059
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,994
−HK$950/mo
Today · 4.125%
HK$31,944
baseline
▲ 0.50% · 4.625%
HK$33,887
+HK$1,943/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,888/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,440
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,337
−HK$910/mo
Today · 4.125%
HK$35,247
baseline
▲ 0.50% · 4.625%
HK$37,105
+HK$1,858/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,494/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,647
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,849
−HK$1,221/mo
Today · 4.125%
HK$41,070
baseline
▲ 0.50% · 4.625%
HK$43,570
+HK$2,500/mo
Deposit HK$942K · loan HK$8.47M · min. income ≈ HK$82,140/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,994
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,147
−HK$1,170/mo
Today · 4.125%
HK$45,317
baseline
▲ 0.50% · 4.625%
HK$47,706
+HK$2,389/mo
Deposit HK$942K · loan HK$8.47M · min. income ≈ HK$90,634/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,585 · 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).