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$21,460
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,127
−HK$679/mo
Today · 4.125%
HK$22,806
baseline
▲ 0.50% · 4.625%
HK$24,193
+HK$1,387/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,612/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,874
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,514
−HK$650/mo
Today · 4.125%
HK$25,164
baseline
▲ 0.50% · 4.625%
HK$26,490
+HK$1,326/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,328/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,752
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,553
−HK$814/mo
Today · 4.125%
HK$27,367
baseline
▲ 0.50% · 4.625%
HK$29,032
+HK$1,665/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$54,734/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,649
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,417
−HK$780/mo
Today · 4.125%
HK$30,197
baseline
▲ 0.50% · 4.625%
HK$31,788
+HK$1,591/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$60,394/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,044
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,978
−HK$950/mo
Today · 4.125%
HK$31,928
baseline
▲ 0.50% · 4.625%
HK$33,871
+HK$1,943/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,856/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$311,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,424
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,320
−HK$909/mo
Today · 4.125%
HK$35,229
baseline
▲ 0.50% · 4.625%
HK$37,086
+HK$1,857/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,458/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$311,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,628
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,829
−HK$1,221/mo
Today · 4.125%
HK$41,050
baseline
▲ 0.50% · 4.625%
HK$43,548
+HK$2,498/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,100/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,973
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,126
−HK$1,169/mo
Today · 4.125%
HK$45,295
baseline
▲ 0.50% · 4.625%
HK$47,682
+HK$2,387/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,590/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,119 · 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).