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$21,355
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,020
−HK$675/mo
Today · 4.125%
HK$22,695
baseline
▲ 0.50% · 4.625%
HK$24,076
+HK$1,381/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,390/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,758
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,395
−HK$646/mo
Today · 4.125%
HK$25,041
baseline
▲ 0.50% · 4.625%
HK$26,361
+HK$1,320/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,082/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,627
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,424
−HK$810/mo
Today · 4.125%
HK$27,234
baseline
▲ 0.50% · 4.625%
HK$28,891
+HK$1,657/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,468/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,509
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,274
−HK$776/mo
Today · 4.125%
HK$30,050
baseline
▲ 0.50% · 4.625%
HK$31,634
+HK$1,584/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,100/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,898
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,828
−HK$945/mo
Today · 4.125%
HK$31,773
baseline
▲ 0.50% · 4.625%
HK$33,706
+HK$1,933/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,546/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,261
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,153
−HK$905/mo
Today · 4.125%
HK$35,058
baseline
▲ 0.50% · 4.625%
HK$36,906
+HK$1,848/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,116/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,440
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,636
−HK$1,214/mo
Today · 4.125%
HK$40,850
baseline
▲ 0.50% · 4.625%
HK$43,336
+HK$2,486/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$81,700/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,764
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,911
−HK$1,163/mo
Today · 4.125%
HK$45,074
baseline
▲ 0.50% · 4.625%
HK$47,450
+HK$2,376/mo
Deposit HK$937K · loan HK$8.43M · min. income ≈ HK$90,148/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,538 · 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).