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$21,489
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,158
−HK$679/mo
Today · 4.125%
HK$22,837
baseline
▲ 0.50% · 4.625%
HK$24,226
+HK$1,389/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,674/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$312,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,907
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,548
−HK$650/mo
Today · 4.125%
HK$25,198
baseline
▲ 0.50% · 4.625%
HK$26,527
+HK$1,329/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,396/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$312,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,787
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,589
−HK$815/mo
Today · 4.125%
HK$27,404
baseline
▲ 0.50% · 4.625%
HK$29,072
+HK$1,668/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,808/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,688
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,457
−HK$781/mo
Today · 4.125%
HK$30,238
baseline
▲ 0.50% · 4.625%
HK$31,832
+HK$1,594/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,476/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,085
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,021
−HK$951/mo
Today · 4.125%
HK$31,972
baseline
▲ 0.50% · 4.625%
HK$33,917
+HK$1,945/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,944/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,469
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,367
−HK$911/mo
Today · 4.125%
HK$35,278
baseline
▲ 0.50% · 4.625%
HK$37,137
+HK$1,859/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,556/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,681
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,884
−HK$1,222/mo
Today · 4.125%
HK$41,106
baseline
▲ 0.50% · 4.625%
HK$43,608
+HK$2,502/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,212/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,032
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,186
−HK$1,171/mo
Today · 4.125%
HK$45,357
baseline
▲ 0.50% · 4.625%
HK$47,748
+HK$2,391/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,714/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,410 · 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).