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$21,365
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,030
−HK$675/mo
Today · 4.125%
HK$22,705
baseline
▲ 0.50% · 4.625%
HK$24,086
+HK$1,381/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,410/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,768
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,406
−HK$646/mo
Today · 4.125%
HK$25,052
baseline
▲ 0.50% · 4.625%
HK$26,373
+HK$1,321/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,104/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,638
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,435
−HK$811/mo
Today · 4.125%
HK$27,246
baseline
▲ 0.50% · 4.625%
HK$28,903
+HK$1,657/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,492/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,522
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,287
−HK$776/mo
Today · 4.125%
HK$30,063
baseline
▲ 0.50% · 4.625%
HK$31,648
+HK$1,585/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,126/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,911
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,841
−HK$946/mo
Today · 4.125%
HK$31,787
baseline
▲ 0.50% · 4.625%
HK$33,721
+HK$1,934/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,574/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,276
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,168
−HK$905/mo
Today · 4.125%
HK$35,073
baseline
▲ 0.50% · 4.625%
HK$36,922
+HK$1,849/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,146/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,457
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,653
−HK$1,215/mo
Today · 4.125%
HK$40,868
baseline
▲ 0.50% · 4.625%
HK$43,355
+HK$2,487/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$81,736/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,783
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,930
−HK$1,164/mo
Today · 4.125%
HK$45,094
baseline
▲ 0.50% · 4.625%
HK$47,471
+HK$2,377/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$90,188/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,954 · 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).