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$21,362
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,027
−HK$675/mo
Today · 4.125%
HK$22,702
baseline
▲ 0.50% · 4.625%
HK$24,083
+HK$1,381/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,404/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,765
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,403
−HK$646/mo
Today · 4.125%
HK$25,049
baseline
▲ 0.50% · 4.625%
HK$26,369
+HK$1,320/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,098/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,635
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,432
−HK$810/mo
Today · 4.125%
HK$27,242
baseline
▲ 0.50% · 4.625%
HK$28,900
+HK$1,658/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,484/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,518
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,283
−HK$776/mo
Today · 4.125%
HK$30,059
baseline
▲ 0.50% · 4.625%
HK$31,643
+HK$1,584/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,118/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,907
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,837
−HK$945/mo
Today · 4.125%
HK$31,782
baseline
▲ 0.50% · 4.625%
HK$33,716
+HK$1,934/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,564/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,271
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,164
−HK$905/mo
Today · 4.125%
HK$35,069
baseline
▲ 0.50% · 4.625%
HK$36,917
+HK$1,848/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,138/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,452
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,648
−HK$1,215/mo
Today · 4.125%
HK$40,863
baseline
▲ 0.50% · 4.625%
HK$43,350
+HK$2,487/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$81,726/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,777
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,925
−HK$1,163/mo
Today · 4.125%
HK$45,088
baseline
▲ 0.50% · 4.625%
HK$47,465
+HK$2,377/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$90,176/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,830 · 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).