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$21,345
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,008
−HK$675/mo
Today · 4.125%
HK$22,683
baseline
▲ 0.50% · 4.625%
HK$24,063
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,366/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,746
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,382
−HK$646/mo
Today · 4.125%
HK$25,028
baseline
▲ 0.50% · 4.625%
HK$26,348
+HK$1,320/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,056/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,613
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,410
−HK$810/mo
Today · 4.125%
HK$27,220
baseline
▲ 0.50% · 4.625%
HK$28,876
+HK$1,656/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$54,440/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,495
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,259
−HK$775/mo
Today · 4.125%
HK$30,034
baseline
▲ 0.50% · 4.625%
HK$31,617
+HK$1,583/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$60,068/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,882
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,812
−HK$944/mo
Today · 4.125%
HK$31,756
baseline
▲ 0.50% · 4.625%
HK$33,688
+HK$1,932/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,512/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$306,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,244
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,135
−HK$905/mo
Today · 4.125%
HK$35,040
baseline
▲ 0.50% · 4.625%
HK$36,887
+HK$1,847/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,080/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$306,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,420
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,615
−HK$1,214/mo
Today · 4.125%
HK$40,829
baseline
▲ 0.50% · 4.625%
HK$43,314
+HK$2,485/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$81,658/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,742
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,888
−HK$1,163/mo
Today · 4.125%
HK$45,051
baseline
▲ 0.50% · 4.625%
HK$47,426
+HK$2,375/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$90,102/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,058 · 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).