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$21,358
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,023
−HK$675/mo
Today · 4.125%
HK$22,698
baseline
▲ 0.50% · 4.625%
HK$24,079
+HK$1,381/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,396/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,761
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,398
−HK$647/mo
Today · 4.125%
HK$25,045
baseline
▲ 0.50% · 4.625%
HK$26,365
+HK$1,320/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,090/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,630
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,427
−HK$810/mo
Today · 4.125%
HK$27,237
baseline
▲ 0.50% · 4.625%
HK$28,895
+HK$1,658/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,474/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,513
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,278
−HK$776/mo
Today · 4.125%
HK$30,054
baseline
▲ 0.50% · 4.625%
HK$31,638
+HK$1,584/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,108/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,902
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,832
−HK$945/mo
Today · 4.125%
HK$31,777
baseline
▲ 0.50% · 4.625%
HK$33,711
+HK$1,934/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,554/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,266
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,158
−HK$905/mo
Today · 4.125%
HK$35,063
baseline
▲ 0.50% · 4.625%
HK$36,911
+HK$1,848/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,126/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,445
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,641
−HK$1,215/mo
Today · 4.125%
HK$40,856
baseline
▲ 0.50% · 4.625%
HK$43,342
+HK$2,486/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$81,712/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,770
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,917
−HK$1,164/mo
Today · 4.125%
HK$45,081
baseline
▲ 0.50% · 4.625%
HK$47,457
+HK$2,376/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$90,162/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,670 · 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).