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$21,501
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,169
−HK$680/mo
Today · 4.125%
HK$22,849
baseline
▲ 0.50% · 4.625%
HK$24,239
+HK$1,390/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,698/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,919
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,561
−HK$651/mo
Today · 4.125%
HK$25,212
baseline
▲ 0.50% · 4.625%
HK$26,541
+HK$1,329/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,424/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,801
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,603
−HK$816/mo
Today · 4.125%
HK$27,419
baseline
▲ 0.50% · 4.625%
HK$29,087
+HK$1,668/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,838/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,703
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,473
−HK$781/mo
Today · 4.125%
HK$30,254
baseline
▲ 0.50% · 4.625%
HK$31,849
+HK$1,595/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,508/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,101
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,037
−HK$952/mo
Today · 4.125%
HK$31,989
baseline
▲ 0.50% · 4.625%
HK$33,935
+HK$1,946/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,978/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,487
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,385
−HK$911/mo
Today · 4.125%
HK$35,296
baseline
▲ 0.50% · 4.625%
HK$37,157
+HK$1,861/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,592/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,701
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,905
−HK$1,223/mo
Today · 4.125%
HK$41,128
baseline
▲ 0.50% · 4.625%
HK$43,631
+HK$2,503/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$82,256/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,055
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,209
−HK$1,172/mo
Today · 4.125%
HK$45,381
baseline
▲ 0.50% · 4.625%
HK$47,773
+HK$2,392/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$90,762/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,908 · 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).