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$21,396
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,062
−HK$676/mo
Today · 4.125%
HK$22,738
baseline
▲ 0.50% · 4.625%
HK$24,122
+HK$1,384/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,476/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,803
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,442
−HK$647/mo
Today · 4.125%
HK$25,089
baseline
▲ 0.50% · 4.625%
HK$26,412
+HK$1,323/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,178/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,676
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,474
−HK$812/mo
Today · 4.125%
HK$27,286
baseline
▲ 0.50% · 4.625%
HK$28,946
+HK$1,660/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,572/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,564
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,330
−HK$777/mo
Today · 4.125%
HK$30,107
baseline
▲ 0.50% · 4.625%
HK$31,694
+HK$1,587/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,214/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,955
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,887
−HK$946/mo
Today · 4.125%
HK$31,833
baseline
▲ 0.50% · 4.625%
HK$33,770
+HK$1,937/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$63,666/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,325
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,218
−HK$907/mo
Today · 4.125%
HK$35,125
baseline
▲ 0.50% · 4.625%
HK$36,976
+HK$1,851/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$70,250/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,514
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,712
−HK$1,217/mo
Today · 4.125%
HK$40,929
baseline
▲ 0.50% · 4.625%
HK$43,419
+HK$2,490/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,858/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,846
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,995
−HK$1,166/mo
Today · 4.125%
HK$45,161
baseline
▲ 0.50% · 4.625%
HK$47,541
+HK$2,380/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,322/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,333 · 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).