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$21,474
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,142
−HK$679/mo
Today · 4.125%
HK$22,821
baseline
▲ 0.50% · 4.625%
HK$24,210
+HK$1,389/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,642/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,890
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,531
−HK$650/mo
Today · 4.125%
HK$25,181
baseline
▲ 0.50% · 4.625%
HK$26,508
+HK$1,327/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,362/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,769
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,571
−HK$814/mo
Today · 4.125%
HK$27,385
baseline
▲ 0.50% · 4.625%
HK$29,051
+HK$1,666/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,770/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,668
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,437
−HK$780/mo
Today · 4.125%
HK$30,217
baseline
▲ 0.50% · 4.625%
HK$31,810
+HK$1,593/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,434/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,064
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,999
−HK$950/mo
Today · 4.125%
HK$31,949
baseline
▲ 0.50% · 4.625%
HK$33,893
+HK$1,944/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$63,898/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,446
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,343
−HK$910/mo
Today · 4.125%
HK$35,253
baseline
▲ 0.50% · 4.625%
HK$37,111
+HK$1,858/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$70,506/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,654
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,856
−HK$1,222/mo
Today · 4.125%
HK$41,078
baseline
▲ 0.50% · 4.625%
HK$43,577
+HK$2,499/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,156/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,002
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,155
−HK$1,170/mo
Today · 4.125%
HK$45,325
baseline
▲ 0.50% · 4.625%
HK$47,714
+HK$2,389/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,650/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,749 · 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).