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$21,401
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,067
−HK$676/mo
Today · 4.125%
HK$22,743
baseline
▲ 0.50% · 4.625%
HK$24,127
+HK$1,384/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,486/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,808
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,447
−HK$648/mo
Today · 4.125%
HK$25,095
baseline
▲ 0.50% · 4.625%
HK$26,417
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,190/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,681
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,480
−HK$812/mo
Today · 4.125%
HK$27,292
baseline
▲ 0.50% · 4.625%
HK$28,952
+HK$1,660/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,584/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,570
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,336
−HK$778/mo
Today · 4.125%
HK$30,114
baseline
▲ 0.50% · 4.625%
HK$31,701
+HK$1,587/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,228/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,961
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,893
−HK$947/mo
Today · 4.125%
HK$31,840
baseline
▲ 0.50% · 4.625%
HK$33,778
+HK$1,938/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,680/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,332
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,226
−HK$907/mo
Today · 4.125%
HK$35,133
baseline
▲ 0.50% · 4.625%
HK$36,984
+HK$1,851/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,266/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,522
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,720
−HK$1,217/mo
Today · 4.125%
HK$40,937
baseline
▲ 0.50% · 4.625%
HK$43,428
+HK$2,491/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,874/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,855
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$44,004
−HK$1,166/mo
Today · 4.125%
HK$45,170
baseline
▲ 0.50% · 4.625%
HK$47,551
+HK$2,381/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,340/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,535 · 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).