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$21,490
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,159
−HK$679/mo
Today · 4.125%
HK$22,838
baseline
▲ 0.50% · 4.625%
HK$24,228
+HK$1,390/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,676/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$312,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,908
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,549
−HK$651/mo
Today · 4.125%
HK$25,200
baseline
▲ 0.50% · 4.625%
HK$26,528
+HK$1,328/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,400/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$312,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,788
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,591
−HK$815/mo
Today · 4.125%
HK$27,406
baseline
▲ 0.50% · 4.625%
HK$29,073
+HK$1,667/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,812/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,689
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,459
−HK$780/mo
Today · 4.125%
HK$30,239
baseline
▲ 0.50% · 4.625%
HK$31,833
+HK$1,594/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,478/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$312,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,087
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,022
−HK$951/mo
Today · 4.125%
HK$31,973
baseline
▲ 0.50% · 4.625%
HK$33,919
+HK$1,946/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,946/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,471
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,369
−HK$910/mo
Today · 4.125%
HK$35,279
baseline
▲ 0.50% · 4.625%
HK$37,139
+HK$1,860/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,558/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$312,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,683
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,886
−HK$1,222/mo
Today · 4.125%
HK$41,108
baseline
▲ 0.50% · 4.625%
HK$43,610
+HK$2,502/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,216/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,034
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,188
−HK$1,171/mo
Today · 4.125%
HK$45,359
baseline
▲ 0.50% · 4.625%
HK$47,750
+HK$2,391/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,718/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$312,456 · 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).