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$21,394
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,060
−HK$676/mo
Today · 4.125%
HK$22,736
baseline
▲ 0.50% · 4.625%
HK$24,119
+HK$1,383/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,472/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,801
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,439
−HK$648/mo
Today · 4.125%
HK$25,087
baseline
▲ 0.50% · 4.625%
HK$26,409
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,174/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,673
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,472
−HK$811/mo
Today · 4.125%
HK$27,283
baseline
▲ 0.50% · 4.625%
HK$28,943
+HK$1,660/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,566/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,561
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,327
−HK$777/mo
Today · 4.125%
HK$30,104
baseline
▲ 0.50% · 4.625%
HK$31,691
+HK$1,587/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,208/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,952
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,883
−HK$947/mo
Today · 4.125%
HK$31,830
baseline
▲ 0.50% · 4.625%
HK$33,767
+HK$1,937/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$63,660/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,321
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,215
−HK$906/mo
Today · 4.125%
HK$35,121
baseline
▲ 0.50% · 4.625%
HK$36,973
+HK$1,852/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$70,242/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,509
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,707
−HK$1,217/mo
Today · 4.125%
HK$40,924
baseline
▲ 0.50% · 4.625%
HK$43,415
+HK$2,491/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,848/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,841
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,990
−HK$1,166/mo
Today · 4.125%
HK$45,156
baseline
▲ 0.50% · 4.625%
HK$47,536
+HK$2,380/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,312/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,235 · 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).