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$21,476
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,144
−HK$679/mo
Today · 4.125%
HK$22,823
baseline
▲ 0.50% · 4.625%
HK$24,211
+HK$1,388/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,646/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,892
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,533
−HK$650/mo
Today · 4.125%
HK$25,183
baseline
▲ 0.50% · 4.625%
HK$26,510
+HK$1,327/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,366/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,771
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,573
−HK$814/mo
Today · 4.125%
HK$27,387
baseline
▲ 0.50% · 4.625%
HK$29,054
+HK$1,667/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,774/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,670
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,439
−HK$780/mo
Today · 4.125%
HK$30,219
baseline
▲ 0.50% · 4.625%
HK$31,812
+HK$1,593/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,438/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,066
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,002
−HK$950/mo
Today · 4.125%
HK$31,952
baseline
▲ 0.50% · 4.625%
HK$33,896
+HK$1,944/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$63,904/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,448
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,346
−HK$910/mo
Today · 4.125%
HK$35,256
baseline
▲ 0.50% · 4.625%
HK$37,114
+HK$1,858/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$70,512/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,657
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,859
−HK$1,222/mo
Today · 4.125%
HK$41,081
baseline
▲ 0.50% · 4.625%
HK$43,581
+HK$2,500/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,162/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,005
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,159
−HK$1,170/mo
Today · 4.125%
HK$45,329
baseline
▲ 0.50% · 4.625%
HK$47,718
+HK$2,389/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,658/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,822 · 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).