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$21,363
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,028
−HK$675/mo
Today · 4.125%
HK$22,703
baseline
▲ 0.50% · 4.625%
HK$24,084
+HK$1,381/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,406/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,766
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,404
−HK$646/mo
Today · 4.125%
HK$25,050
baseline
▲ 0.50% · 4.625%
HK$26,371
+HK$1,321/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,100/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,636
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,433
−HK$810/mo
Today · 4.125%
HK$27,243
baseline
▲ 0.50% · 4.625%
HK$28,901
+HK$1,658/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,486/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,520
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,284
−HK$776/mo
Today · 4.125%
HK$30,060
baseline
▲ 0.50% · 4.625%
HK$31,645
+HK$1,585/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,120/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,908
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,839
−HK$945/mo
Today · 4.125%
HK$31,784
baseline
▲ 0.50% · 4.625%
HK$33,718
+HK$1,934/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,568/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,273
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,165
−HK$905/mo
Today · 4.125%
HK$35,070
baseline
▲ 0.50% · 4.625%
HK$36,919
+HK$1,849/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,140/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,454
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,650
−HK$1,215/mo
Today · 4.125%
HK$40,865
baseline
▲ 0.50% · 4.625%
HK$43,352
+HK$2,487/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$81,730/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,779
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,927
−HK$1,164/mo
Today · 4.125%
HK$45,091
baseline
▲ 0.50% · 4.625%
HK$47,467
+HK$2,376/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$90,182/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,877 · 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).