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$21,485
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,153
−HK$679/mo
Today · 4.125%
HK$22,832
baseline
▲ 0.50% · 4.625%
HK$24,222
+HK$1,390/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,664/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$312,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,902
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,543
−HK$650/mo
Today · 4.125%
HK$25,193
baseline
▲ 0.50% · 4.625%
HK$26,521
+HK$1,328/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,386/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$312,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,782
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,584
−HK$815/mo
Today · 4.125%
HK$27,399
baseline
▲ 0.50% · 4.625%
HK$29,066
+HK$1,667/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,798/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,682
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,452
−HK$780/mo
Today · 4.125%
HK$30,232
baseline
▲ 0.50% · 4.625%
HK$31,826
+HK$1,594/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,464/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,079
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,015
−HK$950/mo
Today · 4.125%
HK$31,965
baseline
▲ 0.50% · 4.625%
HK$33,910
+HK$1,945/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,930/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,463
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,360
−HK$911/mo
Today · 4.125%
HK$35,271
baseline
▲ 0.50% · 4.625%
HK$37,130
+HK$1,859/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,542/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,673
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,876
−HK$1,222/mo
Today · 4.125%
HK$41,098
baseline
▲ 0.50% · 4.625%
HK$43,599
+HK$2,501/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,196/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,024
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,177
−HK$1,171/mo
Today · 4.125%
HK$45,348
baseline
▲ 0.50% · 4.625%
HK$47,738
+HK$2,390/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,696/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,223 · 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).