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$21,366
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,030
−HK$675/mo
Today · 4.125%
HK$22,705
baseline
▲ 0.50% · 4.625%
HK$24,087
+HK$1,382/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$306,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,769
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,407
−HK$646/mo
Today · 4.125%
HK$25,053
baseline
▲ 0.50% · 4.625%
HK$26,374
+HK$1,321/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,106/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,639
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,436
−HK$811/mo
Today · 4.125%
HK$27,247
baseline
▲ 0.50% · 4.625%
HK$28,904
+HK$1,657/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,494/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,523
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,288
−HK$776/mo
Today · 4.125%
HK$30,064
baseline
▲ 0.50% · 4.625%
HK$31,649
+HK$1,585/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,128/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,912
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,842
−HK$946/mo
Today · 4.125%
HK$31,788
baseline
▲ 0.50% · 4.625%
HK$33,722
+HK$1,934/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,576/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,277
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,169
−HK$906/mo
Today · 4.125%
HK$35,075
baseline
▲ 0.50% · 4.625%
HK$36,923
+HK$1,848/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,150/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,458
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,654
−HK$1,216/mo
Today · 4.125%
HK$40,870
baseline
▲ 0.50% · 4.625%
HK$43,357
+HK$2,487/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$81,740/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,784
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,932
−HK$1,164/mo
Today · 4.125%
HK$45,096
baseline
▲ 0.50% · 4.625%
HK$47,473
+HK$2,377/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$90,192/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,984 · 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).