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$21,462
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,129
−HK$678/mo
Today · 4.125%
HK$22,807
baseline
▲ 0.50% · 4.625%
HK$24,195
+HK$1,388/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,614/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,876
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,516
−HK$650/mo
Today · 4.125%
HK$25,166
baseline
▲ 0.50% · 4.625%
HK$26,492
+HK$1,326/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,332/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,754
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,555
−HK$814/mo
Today · 4.125%
HK$27,369
baseline
▲ 0.50% · 4.625%
HK$29,034
+HK$1,665/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$54,738/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,651
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,419
−HK$780/mo
Today · 4.125%
HK$30,199
baseline
▲ 0.50% · 4.625%
HK$31,791
+HK$1,592/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$60,398/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,046
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,981
−HK$949/mo
Today · 4.125%
HK$31,930
baseline
▲ 0.50% · 4.625%
HK$33,873
+HK$1,943/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,860/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$311,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,426
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,323
−HK$909/mo
Today · 4.125%
HK$35,232
baseline
▲ 0.50% · 4.625%
HK$37,089
+HK$1,857/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,464/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$311,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,631
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,832
−HK$1,221/mo
Today · 4.125%
HK$41,053
baseline
▲ 0.50% · 4.625%
HK$43,551
+HK$2,498/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,106/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,976
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,129
−HK$1,169/mo
Today · 4.125%
HK$45,298
baseline
▲ 0.50% · 4.625%
HK$47,686
+HK$2,388/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,596/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,191 · 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).