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$21,458
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,126
−HK$678/mo
Today · 4.125%
HK$22,804
baseline
▲ 0.50% · 4.625%
HK$24,191
+HK$1,387/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,608/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,872
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,512
−HK$650/mo
Today · 4.125%
HK$25,162
baseline
▲ 0.50% · 4.625%
HK$26,488
+HK$1,326/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,324/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,750
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,551
−HK$814/mo
Today · 4.125%
HK$27,365
baseline
▲ 0.50% · 4.625%
HK$29,030
+HK$1,665/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$54,730/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,647
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,415
−HK$779/mo
Today · 4.125%
HK$30,194
baseline
▲ 0.50% · 4.625%
HK$31,786
+HK$1,592/mo
Deposit HK$3.76M · loan HK$5.65M · min. income ≈ HK$60,388/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,042
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,976
−HK$949/mo
Today · 4.125%
HK$31,925
baseline
▲ 0.50% · 4.625%
HK$33,868
+HK$1,943/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$63,850/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$311,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,421
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,317
−HK$910/mo
Today · 4.125%
HK$35,227
baseline
▲ 0.50% · 4.625%
HK$37,083
+HK$1,856/mo
Deposit HK$2.82M · loan HK$6.59M · min. income ≈ HK$70,454/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$311,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,625
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,826
−HK$1,221/mo
Today · 4.125%
HK$41,047
baseline
▲ 0.50% · 4.625%
HK$43,545
+HK$2,498/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$82,094/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,970
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,122
−HK$1,169/mo
Today · 4.125%
HK$45,291
baseline
▲ 0.50% · 4.625%
HK$47,679
+HK$2,388/mo
Deposit HK$941K · loan HK$8.47M · min. income ≈ HK$90,582/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,048 · 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).