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$21,391
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,056
−HK$677/mo
Today · 4.125%
HK$22,733
baseline
▲ 0.50% · 4.625%
HK$24,116
+HK$1,383/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,466/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,797
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,436
−HK$647/mo
Today · 4.125%
HK$25,083
baseline
▲ 0.50% · 4.625%
HK$26,405
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,166/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,669
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,468
−HK$811/mo
Today · 4.125%
HK$27,279
baseline
▲ 0.50% · 4.625%
HK$28,939
+HK$1,660/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,558/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,557
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,323
−HK$777/mo
Today · 4.125%
HK$30,100
baseline
▲ 0.50% · 4.625%
HK$31,686
+HK$1,586/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,200/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,948
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,879
−HK$947/mo
Today · 4.125%
HK$31,826
baseline
▲ 0.50% · 4.625%
HK$33,762
+HK$1,936/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$63,652/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,316
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,210
−HK$906/mo
Today · 4.125%
HK$35,116
baseline
▲ 0.50% · 4.625%
HK$36,967
+HK$1,851/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$70,232/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,504
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,702
−HK$1,217/mo
Today · 4.125%
HK$40,919
baseline
▲ 0.50% · 4.625%
HK$43,408
+HK$2,489/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,838/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,835
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,984
−HK$1,166/mo
Today · 4.125%
HK$45,150
baseline
▲ 0.50% · 4.625%
HK$47,529
+HK$2,379/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,300/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,101 · 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).