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$22,038
−HK$676/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$307,333 · 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$307,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,648
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,446
−HK$811/mo
Today · 4.125%
HK$27,257
baseline
▲ 0.50% · 4.625%
HK$28,915
+HK$1,658/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$307,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,533
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,299
−HK$776/mo
Today · 4.125%
HK$30,075
baseline
▲ 0.50% · 4.625%
HK$31,660
+HK$1,585/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,150/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,923
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,854
−HK$945/mo
Today · 4.125%
HK$31,799
baseline
▲ 0.50% · 4.625%
HK$33,734
+HK$1,935/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,598/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,289
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,182
−HK$906/mo
Today · 4.125%
HK$35,088
baseline
▲ 0.50% · 4.625%
HK$36,937
+HK$1,849/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$307,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,472
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,669
−HK$1,216/mo
Today · 4.125%
HK$40,885
baseline
▲ 0.50% · 4.625%
HK$43,373
+HK$2,488/mo
Deposit HK$937K · loan HK$8.44M · min. income ≈ HK$81,770/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,800
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,948
−HK$1,165/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$307,333 · 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).