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$21,379
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,044
−HK$675/mo
Today · 4.125%
HK$22,719
baseline
▲ 0.50% · 4.625%
HK$24,102
+HK$1,383/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,438/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,784
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,421
−HK$647/mo
Today · 4.125%
HK$25,068
baseline
▲ 0.50% · 4.625%
HK$26,390
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,136/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,654
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,452
−HK$811/mo
Today · 4.125%
HK$27,263
baseline
▲ 0.50% · 4.625%
HK$28,922
+HK$1,659/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,526/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,540
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,306
−HK$776/mo
Today · 4.125%
HK$30,082
baseline
▲ 0.50% · 4.625%
HK$31,668
+HK$1,586/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,164/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,930
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,861
−HK$946/mo
Today · 4.125%
HK$31,807
baseline
▲ 0.50% · 4.625%
HK$33,742
+HK$1,935/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,614/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,297
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,190
−HK$906/mo
Today · 4.125%
HK$35,096
baseline
▲ 0.50% · 4.625%
HK$36,946
+HK$1,850/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,192/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,482
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,679
−HK$1,216/mo
Today · 4.125%
HK$40,895
baseline
▲ 0.50% · 4.625%
HK$43,383
+HK$2,488/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,790/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,810
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,959
−HK$1,164/mo
Today · 4.125%
HK$45,123
baseline
▲ 0.50% · 4.625%
HK$47,502
+HK$2,379/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,246/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,555 · 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).