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$21,475
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,143
−HK$679/mo
Today · 4.125%
HK$22,822
baseline
▲ 0.50% · 4.625%
HK$24,210
+HK$1,388/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,644/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,891
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,531
−HK$650/mo
Today · 4.125%
HK$25,181
baseline
▲ 0.50% · 4.625%
HK$26,509
+HK$1,328/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,362/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,770
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,572
−HK$814/mo
Today · 4.125%
HK$27,386
baseline
▲ 0.50% · 4.625%
HK$29,052
+HK$1,666/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,772/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,669
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,438
−HK$780/mo
Today · 4.125%
HK$30,218
baseline
▲ 0.50% · 4.625%
HK$31,811
+HK$1,593/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,436/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,065
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$31,000
−HK$950/mo
Today · 4.125%
HK$31,950
baseline
▲ 0.50% · 4.625%
HK$33,894
+HK$1,944/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$63,900/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,447
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,344
−HK$910/mo
Today · 4.125%
HK$35,254
baseline
▲ 0.50% · 4.625%
HK$37,112
+HK$1,858/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$70,508/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,655
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,857
−HK$1,222/mo
Today · 4.125%
HK$41,079
baseline
▲ 0.50% · 4.625%
HK$43,579
+HK$2,500/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,158/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,003
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,157
−HK$1,170/mo
Today · 4.125%
HK$45,327
baseline
▲ 0.50% · 4.625%
HK$47,716
+HK$2,389/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,654/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,781 · 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).