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$21,393
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,059
−HK$676/mo
Today · 4.125%
HK$22,735
baseline
▲ 0.50% · 4.625%
HK$24,118
+HK$1,383/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,470/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,800
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,438
−HK$647/mo
Today · 4.125%
HK$25,085
baseline
▲ 0.50% · 4.625%
HK$26,408
+HK$1,323/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,170/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,672
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,470
−HK$812/mo
Today · 4.125%
HK$27,282
baseline
▲ 0.50% · 4.625%
HK$28,942
+HK$1,660/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,564/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,559
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,325
−HK$777/mo
Today · 4.125%
HK$30,102
baseline
▲ 0.50% · 4.625%
HK$31,689
+HK$1,587/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,204/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,950
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,882
−HK$946/mo
Today · 4.125%
HK$31,828
baseline
▲ 0.50% · 4.625%
HK$33,765
+HK$1,937/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$63,656/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,319
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,213
−HK$907/mo
Today · 4.125%
HK$35,120
baseline
▲ 0.50% · 4.625%
HK$36,971
+HK$1,851/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$70,240/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,508
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,705
−HK$1,217/mo
Today · 4.125%
HK$40,922
baseline
▲ 0.50% · 4.625%
HK$43,412
+HK$2,490/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,844/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,839
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,988
−HK$1,166/mo
Today · 4.125%
HK$45,154
baseline
▲ 0.50% · 4.625%
HK$47,534
+HK$2,380/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,308/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,188 · 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).