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$21,375
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,040
−HK$676/mo
Today · 4.125%
HK$22,716
baseline
▲ 0.50% · 4.625%
HK$24,098
+HK$1,382/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,432/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,780
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,418
−HK$647/mo
Today · 4.125%
HK$25,065
baseline
▲ 0.50% · 4.625%
HK$26,386
+HK$1,321/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,130/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,651
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,448
−HK$811/mo
Today · 4.125%
HK$27,259
baseline
▲ 0.50% · 4.625%
HK$28,918
+HK$1,659/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,518/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,536
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,301
−HK$777/mo
Today · 4.125%
HK$30,078
baseline
▲ 0.50% · 4.625%
HK$31,663
+HK$1,585/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,156/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,926
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,856
−HK$946/mo
Today · 4.125%
HK$31,802
baseline
▲ 0.50% · 4.625%
HK$33,737
+HK$1,935/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,604/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,292
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,185
−HK$906/mo
Today · 4.125%
HK$35,091
baseline
▲ 0.50% · 4.625%
HK$36,940
+HK$1,849/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,182/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,476
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,673
−HK$1,216/mo
Today · 4.125%
HK$40,889
baseline
▲ 0.50% · 4.625%
HK$43,377
+HK$2,488/mo
Deposit HK$937K · loan HK$8.44M · min. income ≈ HK$81,778/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,804
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,952
−HK$1,164/mo
Today · 4.125%
HK$45,116
baseline
▲ 0.50% · 4.625%
HK$47,495
+HK$2,379/mo
Deposit HK$937K · loan HK$8.44M · min. income ≈ HK$90,232/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,414 · 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).