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$21,402
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,067
−HK$677/mo
Today · 4.125%
HK$22,744
baseline
▲ 0.50% · 4.625%
HK$24,128
+HK$1,384/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,488/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,809
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,448
−HK$647/mo
Today · 4.125%
HK$25,095
baseline
▲ 0.50% · 4.625%
HK$26,418
+HK$1,323/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,190/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,682
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,481
−HK$812/mo
Today · 4.125%
HK$27,293
baseline
▲ 0.50% · 4.625%
HK$28,953
+HK$1,660/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,586/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,571
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,337
−HK$778/mo
Today · 4.125%
HK$30,115
baseline
▲ 0.50% · 4.625%
HK$31,702
+HK$1,587/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,230/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,962
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,894
−HK$947/mo
Today · 4.125%
HK$31,841
baseline
▲ 0.50% · 4.625%
HK$33,779
+HK$1,938/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,682/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,333
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,227
−HK$907/mo
Today · 4.125%
HK$35,134
baseline
▲ 0.50% · 4.625%
HK$36,986
+HK$1,852/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,268/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,523
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,721
−HK$1,218/mo
Today · 4.125%
HK$40,939
baseline
▲ 0.50% · 4.625%
HK$43,430
+HK$2,491/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,878/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,856
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,006
−HK$1,166/mo
Today · 4.125%
HK$45,172
baseline
▲ 0.50% · 4.625%
HK$47,553
+HK$2,381/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,344/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,565 · 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).