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$21,492
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,161
−HK$679/mo
Today · 4.125%
HK$22,840
baseline
▲ 0.50% · 4.625%
HK$24,230
+HK$1,390/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,680/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,910
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,551
−HK$651/mo
Today · 4.125%
HK$25,202
baseline
▲ 0.50% · 4.625%
HK$26,530
+HK$1,328/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,404/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,791
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,593
−HK$815/mo
Today · 4.125%
HK$27,408
baseline
▲ 0.50% · 4.625%
HK$29,076
+HK$1,668/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,816/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,692
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,462
−HK$780/mo
Today · 4.125%
HK$30,242
baseline
▲ 0.50% · 4.625%
HK$31,836
+HK$1,594/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,484/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,089
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,025
−HK$951/mo
Today · 4.125%
HK$31,976
baseline
▲ 0.50% · 4.625%
HK$33,922
+HK$1,946/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,952/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,474
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,372
−HK$911/mo
Today · 4.125%
HK$35,283
baseline
▲ 0.50% · 4.625%
HK$37,143
+HK$1,860/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,566/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,686
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,890
−HK$1,222/mo
Today · 4.125%
HK$41,112
baseline
▲ 0.50% · 4.625%
HK$43,614
+HK$2,502/mo
Deposit HK$943K · loan HK$8.48M · min. income ≈ HK$82,224/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,038
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,193
−HK$1,171/mo
Today · 4.125%
HK$45,364
baseline
▲ 0.50% · 4.625%
HK$47,755
+HK$2,391/mo
Deposit HK$943K · loan HK$8.48M · min. income ≈ HK$90,728/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,547 · 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).