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$21,351
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,015
−HK$674/mo
Today · 4.125%
HK$22,689
baseline
▲ 0.50% · 4.625%
HK$24,070
+HK$1,381/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,378/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,752
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,389
−HK$647/mo
Today · 4.125%
HK$25,036
baseline
▲ 0.50% · 4.625%
HK$26,355
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,072/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,621
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,418
−HK$809/mo
Today · 4.125%
HK$27,227
baseline
▲ 0.50% · 4.625%
HK$28,884
+HK$1,657/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,454/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,503
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,267
−HK$776/mo
Today · 4.125%
HK$30,043
baseline
▲ 0.50% · 4.625%
HK$31,626
+HK$1,583/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,086/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,891
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,821
−HK$944/mo
Today · 4.125%
HK$31,765
baseline
▲ 0.50% · 4.625%
HK$33,698
+HK$1,933/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,530/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,253
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,145
−HK$905/mo
Today · 4.125%
HK$35,050
baseline
▲ 0.50% · 4.625%
HK$36,897
+HK$1,847/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,100/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,431
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,626
−HK$1,215/mo
Today · 4.125%
HK$40,841
baseline
▲ 0.50% · 4.625%
HK$43,326
+HK$2,485/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$81,682/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,754
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,901
−HK$1,163/mo
Today · 4.125%
HK$45,064
baseline
▲ 0.50% · 4.625%
HK$47,439
+HK$2,375/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$90,128/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,324 · 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).