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$21,472
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,140
−HK$679/mo
Today · 4.125%
HK$22,819
baseline
▲ 0.50% · 4.625%
HK$24,207
+HK$1,388/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,638/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,888
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,528
−HK$650/mo
Today · 4.125%
HK$25,178
baseline
▲ 0.50% · 4.625%
HK$26,505
+HK$1,327/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,356/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,767
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,568
−HK$814/mo
Today · 4.125%
HK$27,382
baseline
▲ 0.50% · 4.625%
HK$29,049
+HK$1,667/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,764/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,665
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,434
−HK$780/mo
Today · 4.125%
HK$30,214
baseline
▲ 0.50% · 4.625%
HK$31,806
+HK$1,592/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,428/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,061
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,996
−HK$950/mo
Today · 4.125%
HK$31,946
baseline
▲ 0.50% · 4.625%
HK$33,890
+HK$1,944/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,892/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,443
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,340
−HK$909/mo
Today · 4.125%
HK$35,249
baseline
▲ 0.50% · 4.625%
HK$37,107
+HK$1,858/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,498/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,650
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,852
−HK$1,222/mo
Today · 4.125%
HK$41,074
baseline
▲ 0.50% · 4.625%
HK$43,573
+HK$2,499/mo
Deposit HK$942K · loan HK$8.47M · min. income ≈ HK$82,148/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,998
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,151
−HK$1,170/mo
Today · 4.125%
HK$45,321
baseline
▲ 0.50% · 4.625%
HK$47,710
+HK$2,389/mo
Deposit HK$942K · loan HK$8.47M · min. income ≈ HK$90,642/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,657 · 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).