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$21,368
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,033
−HK$675/mo
Today · 4.125%
HK$22,708
baseline
▲ 0.50% · 4.625%
HK$24,090
+HK$1,382/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,416/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,772
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,410
−HK$647/mo
Today · 4.125%
HK$25,057
baseline
▲ 0.50% · 4.625%
HK$26,377
+HK$1,320/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,114/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$307,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,642
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,440
−HK$810/mo
Today · 4.125%
HK$27,250
baseline
▲ 0.50% · 4.625%
HK$28,908
+HK$1,658/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,500/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,527
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,292
−HK$776/mo
Today · 4.125%
HK$30,068
baseline
▲ 0.50% · 4.625%
HK$31,653
+HK$1,585/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,136/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,916
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,846
−HK$946/mo
Today · 4.125%
HK$31,792
baseline
▲ 0.50% · 4.625%
HK$33,726
+HK$1,934/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,584/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,281
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,174
−HK$905/mo
Today · 4.125%
HK$35,079
baseline
▲ 0.50% · 4.625%
HK$36,928
+HK$1,849/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,158/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,463
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,660
−HK$1,215/mo
Today · 4.125%
HK$40,875
baseline
▲ 0.50% · 4.625%
HK$43,362
+HK$2,487/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$81,750/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,790
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,938
−HK$1,164/mo
Today · 4.125%
HK$45,102
baseline
▲ 0.50% · 4.625%
HK$47,479
+HK$2,377/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$90,204/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$307,107 · 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).