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$21,410
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,076
−HK$676/mo
Today · 4.125%
HK$22,752
baseline
▲ 0.50% · 4.625%
HK$24,137
+HK$1,385/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,504/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,818
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,457
−HK$648/mo
Today · 4.125%
HK$25,105
baseline
▲ 0.50% · 4.625%
HK$26,428
+HK$1,323/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,210/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,692
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,491
−HK$812/mo
Today · 4.125%
HK$27,303
baseline
▲ 0.50% · 4.625%
HK$28,964
+HK$1,661/mo
Deposit HK$3.76M · loan HK$5.63M · min. income ≈ HK$54,606/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,582
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,348
−HK$778/mo
Today · 4.125%
HK$30,126
baseline
▲ 0.50% · 4.625%
HK$31,714
+HK$1,588/mo
Deposit HK$3.76M · loan HK$5.63M · min. income ≈ HK$60,252/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,974
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,906
−HK$947/mo
Today · 4.125%
HK$31,853
baseline
▲ 0.50% · 4.625%
HK$33,791
+HK$1,938/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,706/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$308,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,345
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,240
−HK$907/mo
Today · 4.125%
HK$35,147
baseline
▲ 0.50% · 4.625%
HK$37,000
+HK$1,853/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,294/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$308,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,538
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,736
−HK$1,218/mo
Today · 4.125%
HK$40,954
baseline
▲ 0.50% · 4.625%
HK$43,446
+HK$2,492/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,908/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,873
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,022
−HK$1,167/mo
Today · 4.125%
HK$45,189
baseline
▲ 0.50% · 4.625%
HK$47,571
+HK$2,382/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,378/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,919 · 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).