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$21,495
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,164
−HK$679/mo
Today · 4.125%
HK$22,843
baseline
▲ 0.50% · 4.625%
HK$24,233
+HK$1,390/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,686/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,913
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,554
−HK$651/mo
Today · 4.125%
HK$25,205
baseline
▲ 0.50% · 4.625%
HK$26,533
+HK$1,328/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,410/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,794
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,596
−HK$815/mo
Today · 4.125%
HK$27,411
baseline
▲ 0.50% · 4.625%
HK$29,079
+HK$1,668/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,822/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,695
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,465
−HK$781/mo
Today · 4.125%
HK$30,246
baseline
▲ 0.50% · 4.625%
HK$31,840
+HK$1,594/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,492/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,093
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,029
−HK$951/mo
Today · 4.125%
HK$31,980
baseline
▲ 0.50% · 4.625%
HK$33,926
+HK$1,946/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,960/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,478
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,376
−HK$911/mo
Today · 4.125%
HK$35,287
baseline
▲ 0.50% · 4.625%
HK$37,147
+HK$1,860/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,574/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,691
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,894
−HK$1,223/mo
Today · 4.125%
HK$41,117
baseline
▲ 0.50% · 4.625%
HK$43,619
+HK$2,502/mo
Deposit HK$943K · loan HK$8.48M · min. income ≈ HK$82,234/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,043
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,198
−HK$1,171/mo
Today · 4.125%
HK$45,369
baseline
▲ 0.50% · 4.625%
HK$47,760
+HK$2,391/mo
Deposit HK$943K · loan HK$8.48M · min. income ≈ HK$90,738/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,653 · 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).