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$21,502
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,171
−HK$680/mo
Today · 4.125%
HK$22,851
baseline
▲ 0.50% · 4.625%
HK$24,241
+HK$1,390/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,702/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,921
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,562
−HK$651/mo
Today · 4.125%
HK$25,213
baseline
▲ 0.50% · 4.625%
HK$26,542
+HK$1,329/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,426/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,803
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,605
−HK$816/mo
Today · 4.125%
HK$27,421
baseline
▲ 0.50% · 4.625%
HK$29,089
+HK$1,668/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,842/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,705
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,475
−HK$781/mo
Today · 4.125%
HK$30,256
baseline
▲ 0.50% · 4.625%
HK$31,851
+HK$1,595/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,512/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,103
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,039
−HK$952/mo
Today · 4.125%
HK$31,991
baseline
▲ 0.50% · 4.625%
HK$33,937
+HK$1,946/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,982/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,489
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,387
−HK$912/mo
Today · 4.125%
HK$35,299
baseline
▲ 0.50% · 4.625%
HK$37,159
+HK$1,860/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,598/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,704
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,908
−HK$1,223/mo
Today · 4.125%
HK$41,131
baseline
▲ 0.50% · 4.625%
HK$43,634
+HK$2,503/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$82,262/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,058
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,212
−HK$1,172/mo
Today · 4.125%
HK$45,384
baseline
▲ 0.50% · 4.625%
HK$47,776
+HK$2,392/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$90,768/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,972 · 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).