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$21,495
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,163
−HK$679/mo
Today · 4.125%
HK$22,842
baseline
▲ 0.50% · 4.625%
HK$24,232
+HK$1,390/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,684/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,913
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,554
−HK$650/mo
Today · 4.125%
HK$25,204
baseline
▲ 0.50% · 4.625%
HK$26,533
+HK$1,329/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,408/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,793
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,596
−HK$815/mo
Today · 4.125%
HK$27,411
baseline
▲ 0.50% · 4.625%
HK$29,079
+HK$1,668/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,822/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,695
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,465
−HK$780/mo
Today · 4.125%
HK$30,245
baseline
▲ 0.50% · 4.625%
HK$31,840
+HK$1,595/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,490/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,092
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,028
−HK$951/mo
Today · 4.125%
HK$31,979
baseline
▲ 0.50% · 4.625%
HK$33,925
+HK$1,946/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,958/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,478
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,375
−HK$911/mo
Today · 4.125%
HK$35,286
baseline
▲ 0.50% · 4.625%
HK$37,146
+HK$1,860/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,572/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,690
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,894
−HK$1,222/mo
Today · 4.125%
HK$41,116
baseline
▲ 0.50% · 4.625%
HK$43,618
+HK$2,502/mo
Deposit HK$943K · loan HK$8.48M · min. income ≈ HK$82,232/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,043
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,197
−HK$1,171/mo
Today · 4.125%
HK$45,368
baseline
▲ 0.50% · 4.625%
HK$47,759
+HK$2,391/mo
Deposit HK$943K · loan HK$8.48M · min. income ≈ HK$90,736/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,639 · 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).