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$21,360
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,024
−HK$675/mo
Today · 4.125%
HK$22,699
baseline
▲ 0.50% · 4.625%
HK$24,081
+HK$1,382/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,398/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,763
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,400
−HK$647/mo
Today · 4.125%
HK$25,047
baseline
▲ 0.50% · 4.625%
HK$26,367
+HK$1,320/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,094/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,632
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,429
−HK$810/mo
Today · 4.125%
HK$27,239
baseline
▲ 0.50% · 4.625%
HK$28,897
+HK$1,658/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,478/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,515
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,280
−HK$776/mo
Today · 4.125%
HK$30,056
baseline
▲ 0.50% · 4.625%
HK$31,640
+HK$1,584/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,112/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,904
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,834
−HK$945/mo
Today · 4.125%
HK$31,779
baseline
▲ 0.50% · 4.625%
HK$33,713
+HK$1,934/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,558/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,268
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,160
−HK$905/mo
Today · 4.125%
HK$35,065
baseline
▲ 0.50% · 4.625%
HK$36,913
+HK$1,848/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,130/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,448
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,644
−HK$1,215/mo
Today · 4.125%
HK$40,859
baseline
▲ 0.50% · 4.625%
HK$43,345
+HK$2,486/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$81,718/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,773
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,920
−HK$1,164/mo
Today · 4.125%
HK$45,084
baseline
▲ 0.50% · 4.625%
HK$47,460
+HK$2,376/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$90,168/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,733 · 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).