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$21,497
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,166
−HK$679/mo
Today · 4.125%
HK$22,845
baseline
▲ 0.50% · 4.625%
HK$24,235
+HK$1,390/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,690/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,915
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,557
−HK$650/mo
Today · 4.125%
HK$25,207
baseline
▲ 0.50% · 4.625%
HK$26,536
+HK$1,329/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,414/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,797
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,599
−HK$815/mo
Today · 4.125%
HK$27,414
baseline
▲ 0.50% · 4.625%
HK$29,082
+HK$1,668/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,828/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,699
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,468
−HK$781/mo
Today · 4.125%
HK$30,249
baseline
▲ 0.50% · 4.625%
HK$31,843
+HK$1,594/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,498/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,096
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,032
−HK$951/mo
Today · 4.125%
HK$31,983
baseline
▲ 0.50% · 4.625%
HK$33,929
+HK$1,946/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,966/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,482
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,380
−HK$910/mo
Today · 4.125%
HK$35,290
baseline
▲ 0.50% · 4.625%
HK$37,151
+HK$1,861/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,580/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,695
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,899
−HK$1,222/mo
Today · 4.125%
HK$41,121
baseline
▲ 0.50% · 4.625%
HK$43,624
+HK$2,503/mo
Deposit HK$943K · loan HK$8.48M · min. income ≈ HK$82,242/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,048
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,202
−HK$1,171/mo
Today · 4.125%
HK$45,373
baseline
▲ 0.50% · 4.625%
HK$47,765
+HK$2,392/mo
Deposit HK$943K · loan HK$8.48M · min. income ≈ HK$90,746/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,754 · 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).