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$21,381
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,046
−HK$675/mo
Today · 4.125%
HK$22,721
baseline
▲ 0.50% · 4.625%
HK$24,104
+HK$1,383/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,442/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,786
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,424
−HK$647/mo
Today · 4.125%
HK$25,071
baseline
▲ 0.50% · 4.625%
HK$26,392
+HK$1,321/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,142/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,657
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,455
−HK$811/mo
Today · 4.125%
HK$27,266
baseline
▲ 0.50% · 4.625%
HK$28,925
+HK$1,659/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,532/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,543
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,308
−HK$777/mo
Today · 4.125%
HK$30,085
baseline
▲ 0.50% · 4.625%
HK$31,671
+HK$1,586/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,170/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,933
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,864
−HK$946/mo
Today · 4.125%
HK$31,810
baseline
▲ 0.50% · 4.625%
HK$33,745
+HK$1,935/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,620/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,300
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,193
−HK$906/mo
Today · 4.125%
HK$35,099
baseline
▲ 0.50% · 4.625%
HK$36,949
+HK$1,850/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,198/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,485
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,682
−HK$1,216/mo
Today · 4.125%
HK$40,898
baseline
▲ 0.50% · 4.625%
HK$43,387
+HK$2,489/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,796/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,814
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,962
−HK$1,165/mo
Today · 4.125%
HK$45,127
baseline
▲ 0.50% · 4.625%
HK$47,506
+HK$2,379/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,254/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,637 · 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).