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$21,357
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,021
−HK$675/mo
Today · 4.125%
HK$22,696
baseline
▲ 0.50% · 4.625%
HK$24,077
+HK$1,381/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,392/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,760
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,397
−HK$646/mo
Today · 4.125%
HK$25,043
baseline
▲ 0.50% · 4.625%
HK$26,363
+HK$1,320/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,086/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,629
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,426
−HK$810/mo
Today · 4.125%
HK$27,236
baseline
▲ 0.50% · 4.625%
HK$28,893
+HK$1,657/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,472/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,512
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,276
−HK$776/mo
Today · 4.125%
HK$30,052
baseline
▲ 0.50% · 4.625%
HK$31,636
+HK$1,584/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,104/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,900
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,830
−HK$945/mo
Today · 4.125%
HK$31,775
baseline
▲ 0.50% · 4.625%
HK$33,708
+HK$1,933/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,550/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,263
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,156
−HK$905/mo
Today · 4.125%
HK$35,061
baseline
▲ 0.50% · 4.625%
HK$36,909
+HK$1,848/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,122/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,443
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,639
−HK$1,215/mo
Today · 4.125%
HK$40,854
baseline
▲ 0.50% · 4.625%
HK$43,339
+HK$2,485/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$81,708/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,767
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,914
−HK$1,164/mo
Today · 4.125%
HK$45,078
baseline
▲ 0.50% · 4.625%
HK$47,454
+HK$2,376/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$90,156/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,612 · 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).