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$21,395
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,061
−HK$676/mo
Today · 4.125%
HK$22,737
baseline
▲ 0.50% · 4.625%
HK$24,120
+HK$1,383/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,474/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,802
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,440
−HK$648/mo
Today · 4.125%
HK$25,088
baseline
▲ 0.50% · 4.625%
HK$26,410
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,176/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,674
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,473
−HK$811/mo
Today · 4.125%
HK$27,284
baseline
▲ 0.50% · 4.625%
HK$28,945
+HK$1,661/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,568/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,562
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,328
−HK$778/mo
Today · 4.125%
HK$30,106
baseline
▲ 0.50% · 4.625%
HK$31,692
+HK$1,586/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,212/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,953
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,885
−HK$947/mo
Today · 4.125%
HK$31,832
baseline
▲ 0.50% · 4.625%
HK$33,769
+HK$1,937/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$63,664/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,323
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,217
−HK$906/mo
Today · 4.125%
HK$35,123
baseline
▲ 0.50% · 4.625%
HK$36,975
+HK$1,852/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$70,246/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,511
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,709
−HK$1,217/mo
Today · 4.125%
HK$40,926
baseline
▲ 0.50% · 4.625%
HK$43,417
+HK$2,491/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,852/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,844
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,993
−HK$1,165/mo
Today · 4.125%
HK$45,158
baseline
▲ 0.50% · 4.625%
HK$47,539
+HK$2,381/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,316/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,284 · 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).