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$21,380
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,045
−HK$675/mo
Today · 4.125%
HK$22,720
baseline
▲ 0.50% · 4.625%
HK$24,103
+HK$1,383/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,440/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,785
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,422
−HK$648/mo
Today · 4.125%
HK$25,070
baseline
▲ 0.50% · 4.625%
HK$26,391
+HK$1,321/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,140/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,655
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,454
−HK$810/mo
Today · 4.125%
HK$27,264
baseline
▲ 0.50% · 4.625%
HK$28,923
+HK$1,659/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,528/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,541
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,307
−HK$776/mo
Today · 4.125%
HK$30,083
baseline
▲ 0.50% · 4.625%
HK$31,669
+HK$1,586/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,166/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,931
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,862
−HK$946/mo
Today · 4.125%
HK$31,808
baseline
▲ 0.50% · 4.625%
HK$33,744
+HK$1,936/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,616/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,298
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,191
−HK$906/mo
Today · 4.125%
HK$35,097
baseline
▲ 0.50% · 4.625%
HK$36,947
+HK$1,850/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,194/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,483
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,680
−HK$1,216/mo
Today · 4.125%
HK$40,896
baseline
▲ 0.50% · 4.625%
HK$43,385
+HK$2,489/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,792/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,812
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,960
−HK$1,165/mo
Today · 4.125%
HK$45,125
baseline
▲ 0.50% · 4.625%
HK$47,504
+HK$2,379/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,250/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,596 · 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).