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$21,408
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,074
−HK$676/mo
Today · 4.125%
HK$22,750
baseline
▲ 0.50% · 4.625%
HK$24,134
+HK$1,384/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,500/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,816
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,455
−HK$648/mo
Today · 4.125%
HK$25,103
baseline
▲ 0.50% · 4.625%
HK$26,426
+HK$1,323/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,206/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,689
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,488
−HK$812/mo
Today · 4.125%
HK$27,300
baseline
▲ 0.50% · 4.625%
HK$28,961
+HK$1,661/mo
Deposit HK$3.76M · loan HK$5.63M · min. income ≈ HK$54,600/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,579
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,346
−HK$777/mo
Today · 4.125%
HK$30,123
baseline
▲ 0.50% · 4.625%
HK$31,711
+HK$1,588/mo
Deposit HK$3.76M · loan HK$5.63M · min. income ≈ HK$60,246/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,971
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,903
−HK$947/mo
Today · 4.125%
HK$31,850
baseline
▲ 0.50% · 4.625%
HK$33,788
+HK$1,938/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,700/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$308,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,342
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,236
−HK$908/mo
Today · 4.125%
HK$35,144
baseline
▲ 0.50% · 4.625%
HK$36,996
+HK$1,852/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,288/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$308,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,534
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,733
−HK$1,217/mo
Today · 4.125%
HK$40,950
baseline
▲ 0.50% · 4.625%
HK$43,442
+HK$2,492/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,900/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,869
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,018
−HK$1,167/mo
Today · 4.125%
HK$45,185
baseline
▲ 0.50% · 4.625%
HK$47,566
+HK$2,381/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,370/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,831 · 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).