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$21,466
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,134
−HK$678/mo
Today · 4.125%
HK$22,812
baseline
▲ 0.50% · 4.625%
HK$24,200
+HK$1,388/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,624/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,881
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,521
−HK$650/mo
Today · 4.125%
HK$25,171
baseline
▲ 0.50% · 4.625%
HK$26,498
+HK$1,327/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,342/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,759
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,561
−HK$814/mo
Today · 4.125%
HK$27,375
baseline
▲ 0.50% · 4.625%
HK$29,040
+HK$1,665/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,750/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,657
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,426
−HK$779/mo
Today · 4.125%
HK$30,205
baseline
▲ 0.50% · 4.625%
HK$31,798
+HK$1,593/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,410/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,053
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,987
−HK$950/mo
Today · 4.125%
HK$31,937
baseline
▲ 0.50% · 4.625%
HK$33,881
+HK$1,944/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,874/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,433
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,330
−HK$910/mo
Today · 4.125%
HK$35,240
baseline
▲ 0.50% · 4.625%
HK$37,097
+HK$1,857/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,480/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,639
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,841
−HK$1,221/mo
Today · 4.125%
HK$41,062
baseline
▲ 0.50% · 4.625%
HK$43,561
+HK$2,499/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,124/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,986
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,139
−HK$1,169/mo
Today · 4.125%
HK$45,308
baseline
▲ 0.50% · 4.625%
HK$47,696
+HK$2,388/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,616/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,395 · 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).