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$21,383
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,048
−HK$676/mo
Today · 4.125%
HK$22,724
baseline
▲ 0.50% · 4.625%
HK$24,107
+HK$1,383/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,448/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,789
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,427
−HK$647/mo
Today · 4.125%
HK$25,074
baseline
▲ 0.50% · 4.625%
HK$26,396
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,148/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,660
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,458
−HK$811/mo
Today · 4.125%
HK$27,269
baseline
▲ 0.50% · 4.625%
HK$28,928
+HK$1,659/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,538/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,546
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,312
−HK$777/mo
Today · 4.125%
HK$30,089
baseline
▲ 0.50% · 4.625%
HK$31,675
+HK$1,586/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,178/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,936
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,868
−HK$946/mo
Today · 4.125%
HK$31,814
baseline
▲ 0.50% · 4.625%
HK$33,750
+HK$1,936/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,628/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,304
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,197
−HK$906/mo
Today · 4.125%
HK$35,103
baseline
▲ 0.50% · 4.625%
HK$36,954
+HK$1,851/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,206/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,490
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,687
−HK$1,216/mo
Today · 4.125%
HK$40,903
baseline
▲ 0.50% · 4.625%
HK$43,392
+HK$2,489/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,806/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,819
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,968
−HK$1,165/mo
Today · 4.125%
HK$45,133
baseline
▲ 0.50% · 4.625%
HK$47,512
+HK$2,379/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,266/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,755 · 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).