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$21,384
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,049
−HK$676/mo
Today · 4.125%
HK$22,725
baseline
▲ 0.50% · 4.625%
HK$24,108
+HK$1,383/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,450/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,790
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,428
−HK$647/mo
Today · 4.125%
HK$25,075
baseline
▲ 0.50% · 4.625%
HK$26,397
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,150/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,661
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,459
−HK$811/mo
Today · 4.125%
HK$27,270
baseline
▲ 0.50% · 4.625%
HK$28,929
+HK$1,659/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,540/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,548
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,313
−HK$777/mo
Today · 4.125%
HK$30,090
baseline
▲ 0.50% · 4.625%
HK$31,676
+HK$1,586/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,180/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,938
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,869
−HK$946/mo
Today · 4.125%
HK$31,815
baseline
▲ 0.50% · 4.625%
HK$33,751
+HK$1,936/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,630/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,305
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,199
−HK$906/mo
Today · 4.125%
HK$35,105
baseline
▲ 0.50% · 4.625%
HK$36,955
+HK$1,850/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,210/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,491
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,689
−HK$1,216/mo
Today · 4.125%
HK$40,905
baseline
▲ 0.50% · 4.625%
HK$43,394
+HK$2,489/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,810/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,821
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,970
−HK$1,165/mo
Today · 4.125%
HK$45,135
baseline
▲ 0.50% · 4.625%
HK$47,514
+HK$2,379/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,270/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,795 · 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).