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$21,364
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,028
−HK$676/mo
Today · 4.125%
HK$22,704
baseline
▲ 0.50% · 4.625%
HK$24,085
+HK$1,381/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,408/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,767
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,405
−HK$646/mo
Today · 4.125%
HK$25,051
baseline
▲ 0.50% · 4.625%
HK$26,372
+HK$1,321/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,102/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,637
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,434
−HK$810/mo
Today · 4.125%
HK$27,244
baseline
▲ 0.50% · 4.625%
HK$28,902
+HK$1,658/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,488/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,521
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,285
−HK$776/mo
Today · 4.125%
HK$30,061
baseline
▲ 0.50% · 4.625%
HK$31,646
+HK$1,585/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,122/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,909
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,840
−HK$945/mo
Today · 4.125%
HK$31,785
baseline
▲ 0.50% · 4.625%
HK$33,719
+HK$1,934/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,570/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,274
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,166
−HK$906/mo
Today · 4.125%
HK$35,072
baseline
▲ 0.50% · 4.625%
HK$36,920
+HK$1,848/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,144/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,455
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,651
−HK$1,216/mo
Today · 4.125%
HK$40,867
baseline
▲ 0.50% · 4.625%
HK$43,353
+HK$2,486/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$81,734/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,781
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,928
−HK$1,164/mo
Today · 4.125%
HK$45,092
baseline
▲ 0.50% · 4.625%
HK$47,469
+HK$2,377/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$90,184/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,909 · 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).