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$21,477
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,145
−HK$678/mo
Today · 4.125%
HK$22,823
baseline
▲ 0.50% · 4.625%
HK$24,212
+HK$1,389/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$45,646/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,893
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,533
−HK$650/mo
Today · 4.125%
HK$25,183
baseline
▲ 0.50% · 4.625%
HK$26,511
+HK$1,328/mo
Deposit HK$4.71M · loan HK$4.71M · min. income ≈ HK$50,366/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$311,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,772
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,574
−HK$814/mo
Today · 4.125%
HK$27,388
baseline
▲ 0.50% · 4.625%
HK$29,055
+HK$1,667/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$54,776/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,671
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,440
−HK$780/mo
Today · 4.125%
HK$30,220
baseline
▲ 0.50% · 4.625%
HK$31,813
+HK$1,593/mo
Deposit HK$3.77M · loan HK$5.65M · min. income ≈ HK$60,440/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$311,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,067
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,003
−HK$950/mo
Today · 4.125%
HK$31,953
baseline
▲ 0.50% · 4.625%
HK$33,897
+HK$1,944/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$63,906/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,450
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,347
−HK$910/mo
Today · 4.125%
HK$35,257
baseline
▲ 0.50% · 4.625%
HK$37,115
+HK$1,858/mo
Deposit HK$2.83M · loan HK$6.59M · min. income ≈ HK$70,514/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$311,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,658
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,860
−HK$1,222/mo
Today · 4.125%
HK$41,082
baseline
▲ 0.50% · 4.625%
HK$43,582
+HK$2,500/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$82,164/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,007
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,160
−HK$1,170/mo
Today · 4.125%
HK$45,330
baseline
▲ 0.50% · 4.625%
HK$47,719
+HK$2,389/mo
Deposit HK$942K · loan HK$8.48M · min. income ≈ HK$90,660/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$311,851 · 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).