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$21,387
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,052
−HK$676/mo
Today · 4.125%
HK$22,728
baseline
▲ 0.50% · 4.625%
HK$24,111
+HK$1,383/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,456/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,793
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,431
−HK$647/mo
Today · 4.125%
HK$25,078
baseline
▲ 0.50% · 4.625%
HK$26,400
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,156/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,664
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,463
−HK$811/mo
Today · 4.125%
HK$27,274
baseline
▲ 0.50% · 4.625%
HK$28,933
+HK$1,659/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,548/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,551
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,317
−HK$777/mo
Today · 4.125%
HK$30,094
baseline
▲ 0.50% · 4.625%
HK$31,680
+HK$1,586/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,188/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,942
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,873
−HK$946/mo
Today · 4.125%
HK$31,819
baseline
▲ 0.50% · 4.625%
HK$33,756
+HK$1,937/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$63,638/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,310
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,203
−HK$907/mo
Today · 4.125%
HK$35,110
baseline
▲ 0.50% · 4.625%
HK$36,960
+HK$1,850/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$70,220/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,497
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,694
−HK$1,217/mo
Today · 4.125%
HK$40,911
baseline
▲ 0.50% · 4.625%
HK$43,400
+HK$2,489/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,822/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,827
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,976
−HK$1,165/mo
Today · 4.125%
HK$45,141
baseline
▲ 0.50% · 4.625%
HK$47,520
+HK$2,379/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,282/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,921 · 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).