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$21,350
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,014
−HK$675/mo
Today · 4.125%
HK$22,689
baseline
▲ 0.50% · 4.625%
HK$24,069
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,378/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,752
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,389
−HK$646/mo
Today · 4.125%
HK$25,035
baseline
▲ 0.50% · 4.625%
HK$26,354
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,070/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,620
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,417
−HK$809/mo
Today · 4.125%
HK$27,226
baseline
▲ 0.50% · 4.625%
HK$28,883
+HK$1,657/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,452/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,502
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,266
−HK$776/mo
Today · 4.125%
HK$30,042
baseline
▲ 0.50% · 4.625%
HK$31,625
+HK$1,583/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,084/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,890
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,820
−HK$944/mo
Today · 4.125%
HK$31,764
baseline
▲ 0.50% · 4.625%
HK$33,697
+HK$1,933/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,528/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,252
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,144
−HK$905/mo
Today · 4.125%
HK$35,049
baseline
▲ 0.50% · 4.625%
HK$36,896
+HK$1,847/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,098/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,430
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,625
−HK$1,215/mo
Today · 4.125%
HK$40,840
baseline
▲ 0.50% · 4.625%
HK$43,325
+HK$2,485/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$81,680/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,753
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,899
−HK$1,164/mo
Today · 4.125%
HK$45,063
baseline
▲ 0.50% · 4.625%
HK$47,438
+HK$2,375/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$90,126/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,295 · 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).