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$21,463
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,130
−HK$678/mo
Today · 4.125%
HK$22,808
baseline
▲ 0.50% · 4.625%
HK$24,196
+HK$1,388/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,616/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,877
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,517
−HK$650/mo
Today · 4.125%
HK$25,167
baseline
▲ 0.50% · 4.625%
HK$26,493
+HK$1,326/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,334/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,755
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,556
−HK$814/mo
Today · 4.125%
HK$27,370
baseline
▲ 0.50% · 4.625%
HK$29,036
+HK$1,666/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$54,740/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,652
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,421
−HK$779/mo
Today · 4.125%
HK$30,200
baseline
▲ 0.50% · 4.625%
HK$31,792
+HK$1,592/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$60,400/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,048
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,982
−HK$950/mo
Today · 4.125%
HK$31,932
baseline
▲ 0.50% · 4.625%
HK$33,875
+HK$1,943/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,864/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$311,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,428
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,324
−HK$910/mo
Today · 4.125%
HK$35,234
baseline
▲ 0.50% · 4.625%
HK$37,091
+HK$1,857/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,468/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$311,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,633
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,834
−HK$1,221/mo
Today · 4.125%
HK$41,055
baseline
▲ 0.50% · 4.625%
HK$43,553
+HK$2,498/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,110/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,978
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,131
−HK$1,169/mo
Today · 4.125%
HK$45,300
baseline
▲ 0.50% · 4.625%
HK$47,688
+HK$2,388/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,600/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,235 · 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).