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$21,399
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,065
−HK$676/mo
Today · 4.125%
HK$22,741
baseline
▲ 0.50% · 4.625%
HK$24,125
+HK$1,384/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,482/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,806
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,445
−HK$648/mo
Today · 4.125%
HK$25,093
baseline
▲ 0.50% · 4.625%
HK$26,415
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,186/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,679
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,478
−HK$811/mo
Today · 4.125%
HK$27,289
baseline
▲ 0.50% · 4.625%
HK$28,950
+HK$1,661/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,578/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,568
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,334
−HK$777/mo
Today · 4.125%
HK$30,111
baseline
▲ 0.50% · 4.625%
HK$31,698
+HK$1,587/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,222/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,959
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,891
−HK$947/mo
Today · 4.125%
HK$31,838
baseline
▲ 0.50% · 4.625%
HK$33,775
+HK$1,937/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,676/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,329
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,223
−HK$907/mo
Today · 4.125%
HK$35,130
baseline
▲ 0.50% · 4.625%
HK$36,981
+HK$1,851/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,260/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,519
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,717
−HK$1,217/mo
Today · 4.125%
HK$40,934
baseline
▲ 0.50% · 4.625%
HK$43,425
+HK$2,491/mo
Deposit HK$938K · loan HK$8.45M · min. income ≈ HK$81,868/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,852
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$44,001
−HK$1,166/mo
Today · 4.125%
HK$45,167
baseline
▲ 0.50% · 4.625%
HK$47,548
+HK$2,381/mo
Deposit HK$938K · loan HK$8.45M · min. income ≈ HK$90,334/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,459 · 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).