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$21,388
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,053
−HK$676/mo
Today · 4.125%
HK$22,729
baseline
▲ 0.50% · 4.625%
HK$24,112
+HK$1,383/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,458/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,794
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,432
−HK$647/mo
Today · 4.125%
HK$25,079
baseline
▲ 0.50% · 4.625%
HK$26,401
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,158/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,665
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,464
−HK$811/mo
Today · 4.125%
HK$27,275
baseline
▲ 0.50% · 4.625%
HK$28,934
+HK$1,659/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,550/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,552
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,318
−HK$777/mo
Today · 4.125%
HK$30,095
baseline
▲ 0.50% · 4.625%
HK$31,681
+HK$1,586/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,190/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,943
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,874
−HK$946/mo
Today · 4.125%
HK$31,820
baseline
▲ 0.50% · 4.625%
HK$33,757
+HK$1,937/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$63,640/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,311
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,204
−HK$907/mo
Today · 4.125%
HK$35,111
baseline
▲ 0.50% · 4.625%
HK$36,961
+HK$1,850/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$70,222/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,498
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,695
−HK$1,217/mo
Today · 4.125%
HK$40,912
baseline
▲ 0.50% · 4.625%
HK$43,401
+HK$2,489/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,824/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,828
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,977
−HK$1,165/mo
Today · 4.125%
HK$45,142
baseline
▲ 0.50% · 4.625%
HK$47,522
+HK$2,380/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,284/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,952 · 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).