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$21,378
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,043
−HK$675/mo
Today · 4.125%
HK$22,718
baseline
▲ 0.50% · 4.625%
HK$24,101
+HK$1,383/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,436/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,783
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,420
−HK$647/mo
Today · 4.125%
HK$25,067
baseline
▲ 0.50% · 4.625%
HK$26,389
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,134/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,653
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,451
−HK$811/mo
Today · 4.125%
HK$27,262
baseline
▲ 0.50% · 4.625%
HK$28,921
+HK$1,659/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,524/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,539
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,304
−HK$777/mo
Today · 4.125%
HK$30,081
baseline
▲ 0.50% · 4.625%
HK$31,667
+HK$1,586/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,162/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,929
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,860
−HK$946/mo
Today · 4.125%
HK$31,806
baseline
▲ 0.50% · 4.625%
HK$33,741
+HK$1,935/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,612/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,296
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,189
−HK$905/mo
Today · 4.125%
HK$35,094
baseline
▲ 0.50% · 4.625%
HK$36,944
+HK$1,850/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,188/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,480
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,677
−HK$1,216/mo
Today · 4.125%
HK$40,893
baseline
▲ 0.50% · 4.625%
HK$43,381
+HK$2,488/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,786/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,809
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,957
−HK$1,164/mo
Today · 4.125%
HK$45,121
baseline
▲ 0.50% · 4.625%
HK$47,500
+HK$2,379/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,242/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,517 · 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).