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$21,405
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,071
−HK$677/mo
Today · 4.125%
HK$22,748
baseline
▲ 0.50% · 4.625%
HK$24,132
+HK$1,384/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,496/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,813
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,452
−HK$648/mo
Today · 4.125%
HK$25,100
baseline
▲ 0.50% · 4.625%
HK$26,423
+HK$1,323/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,200/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,687
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,486
−HK$811/mo
Today · 4.125%
HK$27,297
baseline
▲ 0.50% · 4.625%
HK$28,958
+HK$1,661/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,594/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,576
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,342
−HK$778/mo
Today · 4.125%
HK$30,120
baseline
▲ 0.50% · 4.625%
HK$31,708
+HK$1,588/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,240/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,968
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,900
−HK$947/mo
Today · 4.125%
HK$31,847
baseline
▲ 0.50% · 4.625%
HK$33,785
+HK$1,938/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,694/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,339
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,233
−HK$907/mo
Today · 4.125%
HK$35,140
baseline
▲ 0.50% · 4.625%
HK$36,992
+HK$1,852/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,280/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,530
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,728
−HK$1,218/mo
Today · 4.125%
HK$40,946
baseline
▲ 0.50% · 4.625%
HK$43,437
+HK$2,491/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,892/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,864
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,014
−HK$1,166/mo
Today · 4.125%
HK$45,180
baseline
▲ 0.50% · 4.625%
HK$47,561
+HK$2,381/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,360/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,730 · 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).