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$21,389
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,054
−HK$676/mo
Today · 4.125%
HK$22,730
baseline
▲ 0.50% · 4.625%
HK$24,114
+HK$1,384/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,460/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,795
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,433
−HK$648/mo
Today · 4.125%
HK$25,081
baseline
▲ 0.50% · 4.625%
HK$26,403
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,162/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,667
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,465
−HK$812/mo
Today · 4.125%
HK$27,277
baseline
▲ 0.50% · 4.625%
HK$28,936
+HK$1,659/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,554/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,554
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,320
−HK$777/mo
Today · 4.125%
HK$30,097
baseline
▲ 0.50% · 4.625%
HK$31,683
+HK$1,586/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,194/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,945
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,876
−HK$947/mo
Today · 4.125%
HK$31,823
baseline
▲ 0.50% · 4.625%
HK$33,759
+HK$1,936/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$63,646/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,313
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,207
−HK$906/mo
Today · 4.125%
HK$35,113
baseline
▲ 0.50% · 4.625%
HK$36,964
+HK$1,851/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$70,226/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,500
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,698
−HK$1,217/mo
Today · 4.125%
HK$40,915
baseline
▲ 0.50% · 4.625%
HK$43,404
+HK$2,489/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,830/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,831
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,980
−HK$1,165/mo
Today · 4.125%
HK$45,145
baseline
▲ 0.50% · 4.625%
HK$47,525
+HK$2,380/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,290/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,015 · 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).