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$21,388
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,054
−HK$675/mo
Today · 4.125%
HK$22,729
baseline
▲ 0.50% · 4.625%
HK$24,112
+HK$1,383/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,458/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,794
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,432
−HK$648/mo
Today · 4.125%
HK$25,080
baseline
▲ 0.50% · 4.625%
HK$26,402
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,160/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,666
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,464
−HK$811/mo
Today · 4.125%
HK$27,275
baseline
▲ 0.50% · 4.625%
HK$28,935
+HK$1,660/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,550/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,553
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,319
−HK$777/mo
Today · 4.125%
HK$30,096
baseline
▲ 0.50% · 4.625%
HK$31,682
+HK$1,586/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,192/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,943
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,875
−HK$946/mo
Today · 4.125%
HK$31,821
baseline
▲ 0.50% · 4.625%
HK$33,757
+HK$1,936/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$63,642/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,312
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,205
−HK$907/mo
Today · 4.125%
HK$35,112
baseline
▲ 0.50% · 4.625%
HK$36,962
+HK$1,850/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$70,224/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,499
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,696
−HK$1,217/mo
Today · 4.125%
HK$40,913
baseline
▲ 0.50% · 4.625%
HK$43,402
+HK$2,489/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,826/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,829
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,978
−HK$1,165/mo
Today · 4.125%
HK$45,143
baseline
▲ 0.50% · 4.625%
HK$47,523
+HK$2,380/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,286/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,974 · 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).