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$21,500
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,169
−HK$679/mo
Today · 4.125%
HK$22,848
baseline
▲ 0.50% · 4.625%
HK$24,238
+HK$1,390/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,696/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,918
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,560
−HK$651/mo
Today · 4.125%
HK$25,211
baseline
▲ 0.50% · 4.625%
HK$26,539
+HK$1,328/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,422/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$312,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,800
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,602
−HK$816/mo
Today · 4.125%
HK$27,418
baseline
▲ 0.50% · 4.625%
HK$29,086
+HK$1,668/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,836/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,702
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,472
−HK$781/mo
Today · 4.125%
HK$30,253
baseline
▲ 0.50% · 4.625%
HK$31,847
+HK$1,594/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,506/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,100
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,036
−HK$951/mo
Today · 4.125%
HK$31,987
baseline
▲ 0.50% · 4.625%
HK$33,934
+HK$1,947/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,974/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,486
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,384
−HK$911/mo
Today · 4.125%
HK$35,295
baseline
▲ 0.50% · 4.625%
HK$37,155
+HK$1,860/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,590/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,700
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,903
−HK$1,223/mo
Today · 4.125%
HK$41,126
baseline
▲ 0.50% · 4.625%
HK$43,629
+HK$2,503/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$82,252/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,053
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,208
−HK$1,171/mo
Today · 4.125%
HK$45,379
baseline
▲ 0.50% · 4.625%
HK$47,771
+HK$2,392/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$90,758/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$312,867 · 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).