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$21,351
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,015
−HK$675/mo
Today · 4.125%
HK$22,690
baseline
▲ 0.50% · 4.625%
HK$24,071
+HK$1,381/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,380/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,753
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,390
−HK$646/mo
Today · 4.125%
HK$25,036
baseline
▲ 0.50% · 4.625%
HK$26,356
+HK$1,320/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,072/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,621
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,418
−HK$810/mo
Today · 4.125%
HK$27,228
baseline
▲ 0.50% · 4.625%
HK$28,885
+HK$1,657/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,456/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,503
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,268
−HK$775/mo
Today · 4.125%
HK$30,043
baseline
▲ 0.50% · 4.625%
HK$31,627
+HK$1,584/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,086/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,891
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,821
−HK$945/mo
Today · 4.125%
HK$31,766
baseline
▲ 0.50% · 4.625%
HK$33,699
+HK$1,933/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,532/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,254
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,146
−HK$905/mo
Today · 4.125%
HK$35,051
baseline
▲ 0.50% · 4.625%
HK$36,898
+HK$1,847/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,102/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,432
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,627
−HK$1,215/mo
Today · 4.125%
HK$40,842
baseline
▲ 0.50% · 4.625%
HK$43,327
+HK$2,485/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$81,684/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,755
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,902
−HK$1,163/mo
Today · 4.125%
HK$45,065
baseline
▲ 0.50% · 4.625%
HK$47,440
+HK$2,375/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$90,130/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,344 · 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).