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$21,472
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,139
−HK$679/mo
Today · 4.125%
HK$22,818
baseline
▲ 0.50% · 4.625%
HK$24,206
+HK$1,388/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,636/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,887
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,528
−HK$649/mo
Today · 4.125%
HK$25,177
baseline
▲ 0.50% · 4.625%
HK$26,505
+HK$1,328/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,354/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,766
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,567
−HK$815/mo
Today · 4.125%
HK$27,382
baseline
▲ 0.50% · 4.625%
HK$29,048
+HK$1,666/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,764/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,664
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,433
−HK$780/mo
Today · 4.125%
HK$30,213
baseline
▲ 0.50% · 4.625%
HK$31,806
+HK$1,593/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,426/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,060
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,995
−HK$950/mo
Today · 4.125%
HK$31,945
baseline
▲ 0.50% · 4.625%
HK$33,889
+HK$1,944/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,890/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,442
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,339
−HK$909/mo
Today · 4.125%
HK$35,248
baseline
▲ 0.50% · 4.625%
HK$37,106
+HK$1,858/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,496/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,649
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,851
−HK$1,222/mo
Today · 4.125%
HK$41,073
baseline
▲ 0.50% · 4.625%
HK$43,572
+HK$2,499/mo
Deposit HK$942K · loan HK$8.47M · min. income ≈ HK$82,146/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,996
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,150
−HK$1,169/mo
Today · 4.125%
HK$45,319
baseline
▲ 0.50% · 4.625%
HK$47,708
+HK$2,389/mo
Deposit HK$942K · loan HK$8.47M · min. income ≈ HK$90,638/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,631 · 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).