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$21,415
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,081
−HK$676/mo
Today · 4.125%
HK$22,757
baseline
▲ 0.50% · 4.625%
HK$24,142
+HK$1,385/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$45,514/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$309,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,824
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,462
−HK$649/mo
Today · 4.125%
HK$25,111
baseline
▲ 0.50% · 4.625%
HK$26,434
+HK$1,323/mo
Deposit HK$4.70M · loan HK$4.70M · min. income ≈ HK$50,222/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$309,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,698
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,497
−HK$812/mo
Today · 4.125%
HK$27,309
baseline
▲ 0.50% · 4.625%
HK$28,971
+HK$1,662/mo
Deposit HK$3.76M · loan HK$5.63M · min. income ≈ HK$54,618/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,588
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,355
−HK$778/mo
Today · 4.125%
HK$30,133
baseline
▲ 0.50% · 4.625%
HK$31,721
+HK$1,588/mo
Deposit HK$3.76M · loan HK$5.63M · min. income ≈ HK$60,266/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$309,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,980
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,913
−HK$947/mo
Today · 4.125%
HK$31,860
baseline
▲ 0.50% · 4.625%
HK$33,799
+HK$1,939/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,720/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,353
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,247
−HK$908/mo
Today · 4.125%
HK$35,155
baseline
▲ 0.50% · 4.625%
HK$37,008
+HK$1,853/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,310/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$309,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,546
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,745
−HK$1,218/mo
Today · 4.125%
HK$40,963
baseline
▲ 0.50% · 4.625%
HK$43,456
+HK$2,493/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,926/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,882
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,032
−HK$1,167/mo
Today · 4.125%
HK$45,199
baseline
▲ 0.50% · 4.625%
HK$47,582
+HK$2,383/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,398/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$309,132 · 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).