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$21,465
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,132
−HK$679/mo
Today · 4.125%
HK$22,811
baseline
▲ 0.50% · 4.625%
HK$24,199
+HK$1,388/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,622/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,879
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,520
−HK$649/mo
Today · 4.125%
HK$25,169
baseline
▲ 0.50% · 4.625%
HK$26,496
+HK$1,327/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,338/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,758
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,559
−HK$814/mo
Today · 4.125%
HK$27,373
baseline
▲ 0.50% · 4.625%
HK$29,038
+HK$1,665/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,746/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,655
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,424
−HK$779/mo
Today · 4.125%
HK$30,203
baseline
▲ 0.50% · 4.625%
HK$31,795
+HK$1,592/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,406/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,050
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,985
−HK$950/mo
Today · 4.125%
HK$31,935
baseline
▲ 0.50% · 4.625%
HK$33,878
+HK$1,943/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,870/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,431
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,327
−HK$910/mo
Today · 4.125%
HK$35,237
baseline
▲ 0.50% · 4.625%
HK$37,094
+HK$1,857/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,474/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,636
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,838
−HK$1,221/mo
Today · 4.125%
HK$41,059
baseline
▲ 0.50% · 4.625%
HK$43,557
+HK$2,498/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,118/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,982
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,135
−HK$1,170/mo
Today · 4.125%
HK$45,305
baseline
▲ 0.50% · 4.625%
HK$47,693
+HK$2,388/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,610/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,325 · 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).