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$22,035
−HK$675/mo
Today · 4.125%
HK$22,710
baseline
▲ 0.50% · 4.625%
HK$24,092
+HK$1,382/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$307,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,774
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,412
−HK$647/mo
Today · 4.125%
HK$25,059
baseline
▲ 0.50% · 4.625%
HK$26,379
+HK$1,320/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,118/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,644
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,442
−HK$810/mo
Today · 4.125%
HK$27,252
baseline
▲ 0.50% · 4.625%
HK$28,911
+HK$1,659/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$307,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,529
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,294
−HK$776/mo
Today · 4.125%
HK$30,070
baseline
▲ 0.50% · 4.625%
HK$31,655
+HK$1,585/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,140/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,918
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,849
−HK$945/mo
Today · 4.125%
HK$31,794
baseline
▲ 0.50% · 4.625%
HK$33,729
+HK$1,935/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,588/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,284
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,176
−HK$906/mo
Today · 4.125%
HK$35,082
baseline
▲ 0.50% · 4.625%
HK$36,931
+HK$1,849/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,164/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,466
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,663
−HK$1,216/mo
Today · 4.125%
HK$40,879
baseline
▲ 0.50% · 4.625%
HK$43,366
+HK$2,487/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$81,758/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,793
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,941
−HK$1,164/mo
Today · 4.125%
HK$45,105
baseline
▲ 0.50% · 4.625%
HK$47,483
+HK$2,378/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$90,210/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,184 · 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).