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$22,157
−HK$680/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$312,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,906
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,548
−HK$650/mo
Today · 4.125%
HK$25,198
baseline
▲ 0.50% · 4.625%
HK$26,526
+HK$1,328/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$312,397 · 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$29,071
+HK$1,667/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$312,397 · 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$31,831
+HK$1,593/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$312,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,085
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,020
−HK$951/mo
Today · 4.125%
HK$31,971
baseline
▲ 0.50% · 4.625%
HK$33,917
+HK$1,946/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,942/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,469
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,367
−HK$910/mo
Today · 4.125%
HK$35,277
baseline
▲ 0.50% · 4.625%
HK$37,137
+HK$1,860/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,554/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,680
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,883
−HK$1,223/mo
Today · 4.125%
HK$41,106
baseline
▲ 0.50% · 4.625%
HK$43,607
+HK$2,501/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$312,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,031
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,186
−HK$1,170/mo
Today · 4.125%
HK$45,356
baseline
▲ 0.50% · 4.625%
HK$47,747
+HK$2,391/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,712/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,397 · 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).