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$21,365
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,030
−HK$675/mo
Today · 4.125%
HK$22,705
baseline
▲ 0.50% · 4.625%
HK$24,087
+HK$1,382/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,410/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,769
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,406
−HK$647/mo
Today · 4.125%
HK$25,053
baseline
▲ 0.50% · 4.625%
HK$26,374
+HK$1,321/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,106/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,638
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,436
−HK$810/mo
Today · 4.125%
HK$27,246
baseline
▲ 0.50% · 4.625%
HK$28,904
+HK$1,658/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,492/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,523
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,287
−HK$777/mo
Today · 4.125%
HK$30,064
baseline
▲ 0.50% · 4.625%
HK$31,648
+HK$1,584/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,128/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,912
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,842
−HK$945/mo
Today · 4.125%
HK$31,787
baseline
▲ 0.50% · 4.625%
HK$33,721
+HK$1,934/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,574/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,276
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,169
−HK$905/mo
Today · 4.125%
HK$35,074
baseline
▲ 0.50% · 4.625%
HK$36,923
+HK$1,849/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,148/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,458
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,654
−HK$1,215/mo
Today · 4.125%
HK$40,869
baseline
▲ 0.50% · 4.625%
HK$43,356
+HK$2,487/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$81,738/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,784
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,931
−HK$1,164/mo
Today · 4.125%
HK$45,095
baseline
▲ 0.50% · 4.625%
HK$47,472
+HK$2,377/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$90,190/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,973 · 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).