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$21,369
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,034
−HK$675/mo
Today · 4.125%
HK$22,709
baseline
▲ 0.50% · 4.625%
HK$24,091
+HK$1,382/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,418/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,773
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,410
−HK$647/mo
Today · 4.125%
HK$25,057
baseline
▲ 0.50% · 4.625%
HK$26,378
+HK$1,321/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,114/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,643
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,440
−HK$811/mo
Today · 4.125%
HK$27,251
baseline
▲ 0.50% · 4.625%
HK$28,909
+HK$1,658/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,502/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,527
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,292
−HK$777/mo
Today · 4.125%
HK$30,069
baseline
▲ 0.50% · 4.625%
HK$31,653
+HK$1,584/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$307,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,917
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,847
−HK$946/mo
Today · 4.125%
HK$31,793
baseline
▲ 0.50% · 4.625%
HK$33,727
+HK$1,934/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$307,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,282
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,174
−HK$906/mo
Today · 4.125%
HK$35,080
baseline
▲ 0.50% · 4.625%
HK$36,929
+HK$1,849/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,160/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,464
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,661
−HK$1,215/mo
Today · 4.125%
HK$40,876
baseline
▲ 0.50% · 4.625%
HK$43,363
+HK$2,487/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$81,752/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,791
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,939
−HK$1,164/mo
Today · 4.125%
HK$45,103
baseline
▲ 0.50% · 4.625%
HK$47,480
+HK$2,377/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$90,206/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,130 · 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).