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$21,402
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,068
−HK$677/mo
Today · 4.125%
HK$22,745
baseline
▲ 0.50% · 4.625%
HK$24,128
+HK$1,383/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,490/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,810
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,449
−HK$647/mo
Today · 4.125%
HK$25,096
baseline
▲ 0.50% · 4.625%
HK$26,419
+HK$1,323/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,192/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,683
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,482
−HK$811/mo
Today · 4.125%
HK$27,293
baseline
▲ 0.50% · 4.625%
HK$28,954
+HK$1,661/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,586/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,572
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,338
−HK$778/mo
Today · 4.125%
HK$30,116
baseline
▲ 0.50% · 4.625%
HK$31,703
+HK$1,587/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,232/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,963
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,895
−HK$947/mo
Today · 4.125%
HK$31,842
baseline
▲ 0.50% · 4.625%
HK$33,780
+HK$1,938/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,684/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,334
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,228
−HK$907/mo
Today · 4.125%
HK$35,135
baseline
▲ 0.50% · 4.625%
HK$36,987
+HK$1,852/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,270/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,524
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,723
−HK$1,217/mo
Today · 4.125%
HK$40,940
baseline
▲ 0.50% · 4.625%
HK$43,431
+HK$2,491/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,880/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,858
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$44,007
−HK$1,166/mo
Today · 4.125%
HK$45,173
baseline
▲ 0.50% · 4.625%
HK$47,555
+HK$2,382/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,346/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,596 · 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).