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$21,377
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,042
−HK$676/mo
Today · 4.125%
HK$22,718
baseline
▲ 0.50% · 4.625%
HK$24,100
+HK$1,382/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,436/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,782
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,420
−HK$647/mo
Today · 4.125%
HK$25,067
baseline
▲ 0.50% · 4.625%
HK$26,388
+HK$1,321/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,134/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,653
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,450
−HK$811/mo
Today · 4.125%
HK$27,261
baseline
▲ 0.50% · 4.625%
HK$28,920
+HK$1,659/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,522/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,538
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,304
−HK$776/mo
Today · 4.125%
HK$30,080
baseline
▲ 0.50% · 4.625%
HK$31,666
+HK$1,586/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,160/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,928
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,859
−HK$946/mo
Today · 4.125%
HK$31,805
baseline
▲ 0.50% · 4.625%
HK$33,740
+HK$1,935/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,610/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,295
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,187
−HK$906/mo
Today · 4.125%
HK$35,093
baseline
▲ 0.50% · 4.625%
HK$36,943
+HK$1,850/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,186/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,479
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,676
−HK$1,216/mo
Today · 4.125%
HK$40,892
baseline
▲ 0.50% · 4.625%
HK$43,380
+HK$2,488/mo
Deposit HK$937K · loan HK$8.44M · min. income ≈ HK$81,784/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,807
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,955
−HK$1,165/mo
Today · 4.125%
HK$45,120
baseline
▲ 0.50% · 4.625%
HK$47,498
+HK$2,378/mo
Deposit HK$937K · loan HK$8.44M · min. income ≈ HK$90,240/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,486 · 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).