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$21,358
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,022
−HK$675/mo
Today · 4.125%
HK$22,697
baseline
▲ 0.50% · 4.625%
HK$24,078
+HK$1,381/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,394/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,761
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,398
−HK$646/mo
Today · 4.125%
HK$25,044
baseline
▲ 0.50% · 4.625%
HK$26,364
+HK$1,320/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,088/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,630
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,427
−HK$810/mo
Today · 4.125%
HK$27,237
baseline
▲ 0.50% · 4.625%
HK$28,894
+HK$1,657/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,474/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,513
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,277
−HK$776/mo
Today · 4.125%
HK$30,053
baseline
▲ 0.50% · 4.625%
HK$31,637
+HK$1,584/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,106/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,901
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,831
−HK$945/mo
Today · 4.125%
HK$31,776
baseline
▲ 0.50% · 4.625%
HK$33,710
+HK$1,934/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,552/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,265
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,157
−HK$905/mo
Today · 4.125%
HK$35,062
baseline
▲ 0.50% · 4.625%
HK$36,910
+HK$1,848/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,124/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,445
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,640
−HK$1,215/mo
Today · 4.125%
HK$40,855
baseline
▲ 0.50% · 4.625%
HK$43,341
+HK$2,486/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$81,710/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,769
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,916
−HK$1,164/mo
Today · 4.125%
HK$45,080
baseline
▲ 0.50% · 4.625%
HK$47,456
+HK$2,376/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$90,160/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,652 · 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).