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$21,371
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,036
−HK$675/mo
Today · 4.125%
HK$22,711
baseline
▲ 0.50% · 4.625%
HK$24,093
+HK$1,382/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,422/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,775
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,413
−HK$647/mo
Today · 4.125%
HK$25,060
baseline
▲ 0.50% · 4.625%
HK$26,380
+HK$1,320/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,120/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,645
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,443
−HK$810/mo
Today · 4.125%
HK$27,253
baseline
▲ 0.50% · 4.625%
HK$28,912
+HK$1,659/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,506/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,530
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,295
−HK$776/mo
Today · 4.125%
HK$30,071
baseline
▲ 0.50% · 4.625%
HK$31,657
+HK$1,586/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,142/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,919
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,850
−HK$946/mo
Today · 4.125%
HK$31,796
baseline
▲ 0.50% · 4.625%
HK$33,730
+HK$1,934/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,592/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,285
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,178
−HK$905/mo
Today · 4.125%
HK$35,083
baseline
▲ 0.50% · 4.625%
HK$36,933
+HK$1,850/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,166/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,468
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,664
−HK$1,216/mo
Today · 4.125%
HK$40,880
baseline
▲ 0.50% · 4.625%
HK$43,368
+HK$2,488/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$81,760/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,795
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,943
−HK$1,164/mo
Today · 4.125%
HK$45,107
baseline
▲ 0.50% · 4.625%
HK$47,485
+HK$2,378/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$90,214/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,220 · 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).