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$21,376
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,041
−HK$676/mo
Today · 4.125%
HK$22,717
baseline
▲ 0.50% · 4.625%
HK$24,099
+HK$1,382/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,434/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,781
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,419
−HK$647/mo
Today · 4.125%
HK$25,066
baseline
▲ 0.50% · 4.625%
HK$26,387
+HK$1,321/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,132/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,651
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,449
−HK$811/mo
Today · 4.125%
HK$27,260
baseline
▲ 0.50% · 4.625%
HK$28,919
+HK$1,659/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,520/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,537
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,302
−HK$777/mo
Today · 4.125%
HK$30,079
baseline
▲ 0.50% · 4.625%
HK$31,664
+HK$1,585/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,158/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,927
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,858
−HK$945/mo
Today · 4.125%
HK$31,803
baseline
▲ 0.50% · 4.625%
HK$33,738
+HK$1,935/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,606/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,293
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,186
−HK$906/mo
Today · 4.125%
HK$35,092
baseline
▲ 0.50% · 4.625%
HK$36,942
+HK$1,850/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,184/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,477
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,674
−HK$1,216/mo
Today · 4.125%
HK$40,890
baseline
▲ 0.50% · 4.625%
HK$43,378
+HK$2,488/mo
Deposit HK$937K · loan HK$8.44M · min. income ≈ HK$81,780/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,805
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,953
−HK$1,165/mo
Today · 4.125%
HK$45,118
baseline
▲ 0.50% · 4.625%
HK$47,496
+HK$2,378/mo
Deposit HK$937K · loan HK$8.44M · min. income ≈ HK$90,236/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,446 · 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).