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$21,361
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,025
−HK$675/mo
Today · 4.125%
HK$22,700
baseline
▲ 0.50% · 4.625%
HK$24,081
+HK$1,381/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,400/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,763
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,401
−HK$646/mo
Today · 4.125%
HK$25,047
baseline
▲ 0.50% · 4.625%
HK$26,368
+HK$1,321/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$306,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,633
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,430
−HK$810/mo
Today · 4.125%
HK$27,240
baseline
▲ 0.50% · 4.625%
HK$28,898
+HK$1,658/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,480/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,516
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,281
−HK$776/mo
Today · 4.125%
HK$30,057
baseline
▲ 0.50% · 4.625%
HK$31,641
+HK$1,584/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,114/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,905
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,835
−HK$945/mo
Today · 4.125%
HK$31,780
baseline
▲ 0.50% · 4.625%
HK$33,714
+HK$1,934/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,560/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,269
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,161
−HK$905/mo
Today · 4.125%
HK$35,066
baseline
▲ 0.50% · 4.625%
HK$36,915
+HK$1,849/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,132/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,449
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,645
−HK$1,215/mo
Today · 4.125%
HK$40,860
baseline
▲ 0.50% · 4.625%
HK$43,346
+HK$2,486/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$81,720/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,774
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,921
−HK$1,164/mo
Today · 4.125%
HK$45,085
baseline
▲ 0.50% · 4.625%
HK$47,462
+HK$2,377/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$90,170/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,761 · 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).