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$21,352
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,016
−HK$675/mo
Today · 4.125%
HK$22,691
baseline
▲ 0.50% · 4.625%
HK$24,071
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,382/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,754
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,391
−HK$646/mo
Today · 4.125%
HK$25,037
baseline
▲ 0.50% · 4.625%
HK$26,357
+HK$1,320/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,074/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,622
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,419
−HK$810/mo
Today · 4.125%
HK$27,229
baseline
▲ 0.50% · 4.625%
HK$28,886
+HK$1,657/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,458/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,504
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,269
−HK$775/mo
Today · 4.125%
HK$30,044
baseline
▲ 0.50% · 4.625%
HK$31,628
+HK$1,584/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,088/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,892
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,822
−HK$945/mo
Today · 4.125%
HK$31,767
baseline
▲ 0.50% · 4.625%
HK$33,700
+HK$1,933/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,534/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,255
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,147
−HK$905/mo
Today · 4.125%
HK$35,052
baseline
▲ 0.50% · 4.625%
HK$36,899
+HK$1,847/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,104/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,433
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,629
−HK$1,214/mo
Today · 4.125%
HK$40,843
baseline
▲ 0.50% · 4.625%
HK$43,328
+HK$2,485/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$81,686/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,756
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,903
−HK$1,163/mo
Today · 4.125%
HK$45,066
baseline
▲ 0.50% · 4.625%
HK$47,442
+HK$2,376/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$90,132/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,374 · 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).