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$21,415
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,081
−HK$677/mo
Today · 4.125%
HK$22,758
baseline
▲ 0.50% · 4.625%
HK$24,143
+HK$1,385/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,516/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$309,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,824
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,463
−HK$648/mo
Today · 4.125%
HK$25,111
baseline
▲ 0.50% · 4.625%
HK$26,435
+HK$1,324/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,222/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$309,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,698
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,498
−HK$812/mo
Today · 4.125%
HK$27,310
baseline
▲ 0.50% · 4.625%
HK$28,972
+HK$1,662/mo
Deposit HK$3.76M · loan HK$5.63M · min. income ≈ HK$54,620/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,589
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,356
−HK$778/mo
Today · 4.125%
HK$30,134
baseline
▲ 0.50% · 4.625%
HK$31,722
+HK$1,588/mo
Deposit HK$3.76M · loan HK$5.63M · min. income ≈ HK$60,268/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,981
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,914
−HK$947/mo
Today · 4.125%
HK$31,861
baseline
▲ 0.50% · 4.625%
HK$33,800
+HK$1,939/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,722/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,354
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,249
−HK$907/mo
Today · 4.125%
HK$35,156
baseline
▲ 0.50% · 4.625%
HK$37,009
+HK$1,853/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,312/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,548
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,747
−HK$1,218/mo
Today · 4.125%
HK$40,965
baseline
▲ 0.50% · 4.625%
HK$43,457
+HK$2,492/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,930/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,884
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,034
−HK$1,167/mo
Today · 4.125%
HK$45,201
baseline
▲ 0.50% · 4.625%
HK$47,583
+HK$2,382/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,402/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,162 · 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).