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$21,406
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,072
−HK$676/mo
Today · 4.125%
HK$22,748
baseline
▲ 0.50% · 4.625%
HK$24,132
+HK$1,384/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,496/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,814
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,453
−HK$647/mo
Today · 4.125%
HK$25,100
baseline
▲ 0.50% · 4.625%
HK$26,424
+HK$1,324/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,200/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,687
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,486
−HK$812/mo
Today · 4.125%
HK$27,298
baseline
▲ 0.50% · 4.625%
HK$28,959
+HK$1,661/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,596/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,577
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,343
−HK$778/mo
Today · 4.125%
HK$30,121
baseline
▲ 0.50% · 4.625%
HK$31,708
+HK$1,587/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,242/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,968
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,900
−HK$948/mo
Today · 4.125%
HK$31,848
baseline
▲ 0.50% · 4.625%
HK$33,785
+HK$1,937/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,696/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,339
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,234
−HK$907/mo
Today · 4.125%
HK$35,141
baseline
▲ 0.50% · 4.625%
HK$36,993
+HK$1,852/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,282/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,531
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,729
−HK$1,218/mo
Today · 4.125%
HK$40,947
baseline
▲ 0.50% · 4.625%
HK$43,438
+HK$2,491/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,894/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,865
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,015
−HK$1,166/mo
Today · 4.125%
HK$45,181
baseline
▲ 0.50% · 4.625%
HK$47,562
+HK$2,381/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,362/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,750 · 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).