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$21,374
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,039
−HK$675/mo
Today · 4.125%
HK$22,714
baseline
▲ 0.50% · 4.625%
HK$24,096
+HK$1,382/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,428/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,778
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,416
−HK$647/mo
Today · 4.125%
HK$25,063
baseline
▲ 0.50% · 4.625%
HK$26,384
+HK$1,321/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,126/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,649
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,447
−HK$810/mo
Today · 4.125%
HK$27,257
baseline
▲ 0.50% · 4.625%
HK$28,916
+HK$1,659/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,514/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,534
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,299
−HK$777/mo
Today · 4.125%
HK$30,076
baseline
▲ 0.50% · 4.625%
HK$31,661
+HK$1,585/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,152/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,924
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,854
−HK$946/mo
Today · 4.125%
HK$31,800
baseline
▲ 0.50% · 4.625%
HK$33,735
+HK$1,935/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,600/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,290
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,183
−HK$905/mo
Today · 4.125%
HK$35,088
baseline
▲ 0.50% · 4.625%
HK$36,938
+HK$1,850/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,176/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,473
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,670
−HK$1,216/mo
Today · 4.125%
HK$40,886
baseline
▲ 0.50% · 4.625%
HK$43,374
+HK$2,488/mo
Deposit HK$937K · loan HK$8.44M · min. income ≈ HK$81,772/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,801
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,949
−HK$1,164/mo
Today · 4.125%
HK$45,113
baseline
▲ 0.50% · 4.625%
HK$47,491
+HK$2,378/mo
Deposit HK$937K · loan HK$8.44M · min. income ≈ HK$90,226/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,352 · 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).