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$306,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,759
−HK$1,284/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$306,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,628
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,426
−HK$809/mo
Today · 4.125%
HK$27,235
baseline
▲ 0.50% · 4.625%
HK$28,893
+HK$1,658/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,470/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,511
−HK$1,541/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$306,603 · 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$306,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,263
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,155
−HK$905/mo
Today · 4.125%
HK$35,060
baseline
▲ 0.50% · 4.625%
HK$36,908
+HK$1,848/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,120/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,443
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,638
−HK$1,215/mo
Today · 4.125%
HK$40,853
baseline
▲ 0.50% · 4.625%
HK$43,339
+HK$2,486/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$81,706/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,767
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,914
−HK$1,163/mo
Today · 4.125%
HK$45,077
baseline
▲ 0.50% · 4.625%
HK$47,454
+HK$2,377/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$90,154/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,603 · 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).