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$21,382
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,047
−HK$676/mo
Today · 4.125%
HK$22,723
baseline
▲ 0.50% · 4.625%
HK$24,105
+HK$1,382/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,446/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,787
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,425
−HK$647/mo
Today · 4.125%
HK$25,072
baseline
▲ 0.50% · 4.625%
HK$26,394
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,144/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,658
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,456
−HK$811/mo
Today · 4.125%
HK$27,267
baseline
▲ 0.50% · 4.625%
HK$28,926
+HK$1,659/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,534/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,544
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,310
−HK$777/mo
Today · 4.125%
HK$30,087
baseline
▲ 0.50% · 4.625%
HK$31,673
+HK$1,586/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,174/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,935
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,866
−HK$946/mo
Today · 4.125%
HK$31,812
baseline
▲ 0.50% · 4.625%
HK$33,747
+HK$1,935/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,624/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,302
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,195
−HK$906/mo
Today · 4.125%
HK$35,101
baseline
▲ 0.50% · 4.625%
HK$36,951
+HK$1,850/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,202/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,487
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,684
−HK$1,217/mo
Today · 4.125%
HK$40,901
baseline
▲ 0.50% · 4.625%
HK$43,389
+HK$2,488/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,802/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,817
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,965
−HK$1,165/mo
Today · 4.125%
HK$45,130
baseline
▲ 0.50% · 4.625%
HK$47,509
+HK$2,379/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,260/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,694 · 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).