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$21,373
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,037
−HK$676/mo
Today · 4.125%
HK$22,713
baseline
▲ 0.50% · 4.625%
HK$24,095
+HK$1,382/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,426/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,777
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,414
−HK$647/mo
Today · 4.125%
HK$25,061
baseline
▲ 0.50% · 4.625%
HK$26,382
+HK$1,321/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,122/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,647
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,445
−HK$810/mo
Today · 4.125%
HK$27,255
baseline
▲ 0.50% · 4.625%
HK$28,914
+HK$1,659/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,510/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,532
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,297
−HK$777/mo
Today · 4.125%
HK$30,074
baseline
▲ 0.50% · 4.625%
HK$31,659
+HK$1,585/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,148/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,922
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,852
−HK$946/mo
Today · 4.125%
HK$31,798
baseline
▲ 0.50% · 4.625%
HK$33,733
+HK$1,935/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,596/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,287
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,180
−HK$906/mo
Today · 4.125%
HK$35,086
baseline
▲ 0.50% · 4.625%
HK$36,935
+HK$1,849/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,172/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,471
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,667
−HK$1,216/mo
Today · 4.125%
HK$40,883
baseline
▲ 0.50% · 4.625%
HK$43,371
+HK$2,488/mo
Deposit HK$937K · loan HK$8.44M · min. income ≈ HK$81,766/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,798
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,946
−HK$1,164/mo
Today · 4.125%
HK$45,110
baseline
▲ 0.50% · 4.625%
HK$47,488
+HK$2,378/mo
Deposit HK$937K · loan HK$8.44M · min. income ≈ HK$90,220/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,289 · 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).