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$21,404
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,070
−HK$676/mo
Today · 4.125%
HK$22,746
baseline
▲ 0.50% · 4.625%
HK$24,130
+HK$1,384/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,492/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,812
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,451
−HK$647/mo
Today · 4.125%
HK$25,098
baseline
▲ 0.50% · 4.625%
HK$26,421
+HK$1,323/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,196/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,685
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,484
−HK$812/mo
Today · 4.125%
HK$27,296
baseline
▲ 0.50% · 4.625%
HK$28,957
+HK$1,661/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,592/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,574
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,341
−HK$777/mo
Today · 4.125%
HK$30,118
baseline
▲ 0.50% · 4.625%
HK$31,706
+HK$1,588/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,236/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,966
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,898
−HK$947/mo
Today · 4.125%
HK$31,845
baseline
▲ 0.50% · 4.625%
HK$33,783
+HK$1,938/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,690/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,337
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,231
−HK$907/mo
Today · 4.125%
HK$35,138
baseline
▲ 0.50% · 4.625%
HK$36,990
+HK$1,852/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,276/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,527
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,726
−HK$1,217/mo
Today · 4.125%
HK$40,943
baseline
▲ 0.50% · 4.625%
HK$43,435
+HK$2,492/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,886/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,861
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,011
−HK$1,166/mo
Today · 4.125%
HK$45,177
baseline
▲ 0.50% · 4.625%
HK$47,558
+HK$2,381/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,354/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,673 · 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).