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$21,343
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,007
−HK$675/mo
Today · 4.125%
HK$22,682
baseline
▲ 0.50% · 4.625%
HK$24,062
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,364/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,744
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,381
−HK$646/mo
Today · 4.125%
HK$25,027
baseline
▲ 0.50% · 4.625%
HK$26,346
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,054/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,612
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,409
−HK$809/mo
Today · 4.125%
HK$27,218
baseline
▲ 0.50% · 4.625%
HK$28,874
+HK$1,656/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$54,436/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,493
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,257
−HK$775/mo
Today · 4.125%
HK$30,032
baseline
▲ 0.50% · 4.625%
HK$31,615
+HK$1,583/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$60,064/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,880
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,810
−HK$944/mo
Today · 4.125%
HK$31,754
baseline
▲ 0.50% · 4.625%
HK$33,686
+HK$1,932/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,508/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$306,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,242
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,133
−HK$905/mo
Today · 4.125%
HK$35,038
baseline
▲ 0.50% · 4.625%
HK$36,885
+HK$1,847/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,076/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$306,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,418
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,613
−HK$1,214/mo
Today · 4.125%
HK$40,827
baseline
▲ 0.50% · 4.625%
HK$43,311
+HK$2,484/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$81,654/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,739
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,886
−HK$1,162/mo
Today · 4.125%
HK$45,048
baseline
▲ 0.50% · 4.625%
HK$47,423
+HK$2,375/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$90,096/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,001 · 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).