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$21,392
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,058
−HK$676/mo
Today · 4.125%
HK$22,734
baseline
▲ 0.50% · 4.625%
HK$24,117
+HK$1,383/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,468/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,799
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,437
−HK$648/mo
Today · 4.125%
HK$25,085
baseline
▲ 0.50% · 4.625%
HK$26,407
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,170/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,671
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,469
−HK$812/mo
Today · 4.125%
HK$27,281
baseline
▲ 0.50% · 4.625%
HK$28,941
+HK$1,660/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,562/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,559
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,324
−HK$777/mo
Today · 4.125%
HK$30,101
baseline
▲ 0.50% · 4.625%
HK$31,688
+HK$1,587/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,202/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,949
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,881
−HK$946/mo
Today · 4.125%
HK$31,827
baseline
▲ 0.50% · 4.625%
HK$33,764
+HK$1,937/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$63,654/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,318
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,212
−HK$906/mo
Today · 4.125%
HK$35,118
baseline
▲ 0.50% · 4.625%
HK$36,970
+HK$1,852/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$70,236/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,506
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,704
−HK$1,217/mo
Today · 4.125%
HK$40,921
baseline
▲ 0.50% · 4.625%
HK$43,411
+HK$2,490/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,842/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,838
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,987
−HK$1,165/mo
Today · 4.125%
HK$45,152
baseline
▲ 0.50% · 4.625%
HK$47,532
+HK$2,380/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,304/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,156 · 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).