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$21,370
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,034
−HK$676/mo
Today · 4.125%
HK$22,710
baseline
▲ 0.50% · 4.625%
HK$24,091
+HK$1,381/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,420/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,773
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,411
−HK$647/mo
Today · 4.125%
HK$25,058
baseline
▲ 0.50% · 4.625%
HK$26,379
+HK$1,321/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,116/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,643
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,441
−HK$811/mo
Today · 4.125%
HK$27,252
baseline
▲ 0.50% · 4.625%
HK$28,910
+HK$1,658/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,504/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,528
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,293
−HK$776/mo
Today · 4.125%
HK$30,069
baseline
▲ 0.50% · 4.625%
HK$31,654
+HK$1,585/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,138/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,917
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,848
−HK$945/mo
Today · 4.125%
HK$31,793
baseline
▲ 0.50% · 4.625%
HK$33,728
+HK$1,935/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,586/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,283
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,175
−HK$906/mo
Today · 4.125%
HK$35,081
baseline
▲ 0.50% · 4.625%
HK$36,930
+HK$1,849/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,162/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,465
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,662
−HK$1,215/mo
Today · 4.125%
HK$40,877
baseline
▲ 0.50% · 4.625%
HK$43,365
+HK$2,488/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$81,754/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,792
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,940
−HK$1,164/mo
Today · 4.125%
HK$45,104
baseline
▲ 0.50% · 4.625%
HK$47,482
+HK$2,378/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$90,208/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,156 · 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).