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$21,400
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,066
−HK$676/mo
Today · 4.125%
HK$22,742
baseline
▲ 0.50% · 4.625%
HK$24,126
+HK$1,384/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,484/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,807
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,446
−HK$648/mo
Today · 4.125%
HK$25,094
baseline
▲ 0.50% · 4.625%
HK$26,416
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,188/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,680
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,479
−HK$811/mo
Today · 4.125%
HK$27,290
baseline
▲ 0.50% · 4.625%
HK$28,951
+HK$1,661/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,580/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,569
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,335
−HK$777/mo
Today · 4.125%
HK$30,112
baseline
▲ 0.50% · 4.625%
HK$31,699
+HK$1,587/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,224/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,960
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,892
−HK$947/mo
Today · 4.125%
HK$31,839
baseline
▲ 0.50% · 4.625%
HK$33,776
+HK$1,937/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,678/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,330
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,224
−HK$907/mo
Today · 4.125%
HK$35,131
baseline
▲ 0.50% · 4.625%
HK$36,983
+HK$1,852/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,262/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,520
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,718
−HK$1,218/mo
Today · 4.125%
HK$40,936
baseline
▲ 0.50% · 4.625%
HK$43,426
+HK$2,490/mo
Deposit HK$938K · loan HK$8.45M · min. income ≈ HK$81,872/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,853
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$44,002
−HK$1,166/mo
Today · 4.125%
HK$45,168
baseline
▲ 0.50% · 4.625%
HK$47,549
+HK$2,381/mo
Deposit HK$938K · loan HK$8.45M · min. income ≈ HK$90,336/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,492 · 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).