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$21,473
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,141
−HK$679/mo
Today · 4.125%
HK$22,820
baseline
▲ 0.50% · 4.625%
HK$24,208
+HK$1,388/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,640/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,889
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,530
−HK$650/mo
Today · 4.125%
HK$25,180
baseline
▲ 0.50% · 4.625%
HK$26,507
+HK$1,327/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,360/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,768
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,570
−HK$814/mo
Today · 4.125%
HK$27,384
baseline
▲ 0.50% · 4.625%
HK$29,050
+HK$1,666/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,768/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,667
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,435
−HK$780/mo
Today · 4.125%
HK$30,215
baseline
▲ 0.50% · 4.625%
HK$31,808
+HK$1,593/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,430/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,063
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,998
−HK$950/mo
Today · 4.125%
HK$31,948
baseline
▲ 0.50% · 4.625%
HK$33,892
+HK$1,944/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$63,896/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,444
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,341
−HK$910/mo
Today · 4.125%
HK$35,251
baseline
▲ 0.50% · 4.625%
HK$37,109
+HK$1,858/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$70,502/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,652
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,854
−HK$1,222/mo
Today · 4.125%
HK$41,076
baseline
▲ 0.50% · 4.625%
HK$43,575
+HK$2,499/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,152/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,000
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,153
−HK$1,170/mo
Today · 4.125%
HK$45,323
baseline
▲ 0.50% · 4.625%
HK$47,712
+HK$2,389/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,646/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,707 · 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).