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$21,411
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,077
−HK$676/mo
Today · 4.125%
HK$22,753
baseline
▲ 0.50% · 4.625%
HK$24,138
+HK$1,385/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,506/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,819
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,458
−HK$648/mo
Today · 4.125%
HK$25,106
baseline
▲ 0.50% · 4.625%
HK$26,429
+HK$1,323/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,212/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,693
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,492
−HK$812/mo
Today · 4.125%
HK$27,304
baseline
▲ 0.50% · 4.625%
HK$28,965
+HK$1,661/mo
Deposit HK$3.76M · loan HK$5.63M · min. income ≈ HK$54,608/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,583
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,349
−HK$778/mo
Today · 4.125%
HK$30,127
baseline
▲ 0.50% · 4.625%
HK$31,715
+HK$1,588/mo
Deposit HK$3.76M · loan HK$5.63M · min. income ≈ HK$60,254/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,975
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,907
−HK$947/mo
Today · 4.125%
HK$31,854
baseline
▲ 0.50% · 4.625%
HK$33,793
+HK$1,939/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,708/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$308,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,347
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,241
−HK$907/mo
Today · 4.125%
HK$35,148
baseline
▲ 0.50% · 4.625%
HK$37,001
+HK$1,853/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,296/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$308,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,539
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,738
−HK$1,218/mo
Today · 4.125%
HK$40,956
baseline
▲ 0.50% · 4.625%
HK$43,448
+HK$2,492/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,912/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,874
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,024
−HK$1,167/mo
Today · 4.125%
HK$45,191
baseline
▲ 0.50% · 4.625%
HK$47,573
+HK$2,382/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,382/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,954 · 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).