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$21,408
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,074
−HK$677/mo
Today · 4.125%
HK$22,751
baseline
▲ 0.50% · 4.625%
HK$24,135
+HK$1,384/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,502/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,817
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,455
−HK$648/mo
Today · 4.125%
HK$25,103
baseline
▲ 0.50% · 4.625%
HK$26,427
+HK$1,324/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,206/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,690
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,489
−HK$812/mo
Today · 4.125%
HK$27,301
baseline
▲ 0.50% · 4.625%
HK$28,962
+HK$1,661/mo
Deposit HK$3.76M · loan HK$5.63M · min. income ≈ HK$54,602/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,580
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,346
−HK$778/mo
Today · 4.125%
HK$30,124
baseline
▲ 0.50% · 4.625%
HK$31,712
+HK$1,588/mo
Deposit HK$3.76M · loan HK$5.63M · min. income ≈ HK$60,248/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,972
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,904
−HK$947/mo
Today · 4.125%
HK$31,851
baseline
▲ 0.50% · 4.625%
HK$33,789
+HK$1,938/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,702/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$308,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,343
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,238
−HK$907/mo
Today · 4.125%
HK$35,145
baseline
▲ 0.50% · 4.625%
HK$36,997
+HK$1,852/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,290/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$308,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,535
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,734
−HK$1,218/mo
Today · 4.125%
HK$40,952
baseline
▲ 0.50% · 4.625%
HK$43,443
+HK$2,491/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,904/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,870
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,020
−HK$1,166/mo
Today · 4.125%
HK$45,186
baseline
▲ 0.50% · 4.625%
HK$47,568
+HK$2,382/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,372/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,860 · 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).