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$21,386
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,052
−HK$675/mo
Today · 4.125%
HK$22,727
baseline
▲ 0.50% · 4.625%
HK$24,110
+HK$1,383/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,454/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,792
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,430
−HK$647/mo
Today · 4.125%
HK$25,077
baseline
▲ 0.50% · 4.625%
HK$26,399
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,154/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,664
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,462
−HK$811/mo
Today · 4.125%
HK$27,273
baseline
▲ 0.50% · 4.625%
HK$28,932
+HK$1,659/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,546/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,550
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,316
−HK$777/mo
Today · 4.125%
HK$30,093
baseline
▲ 0.50% · 4.625%
HK$31,679
+HK$1,586/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,186/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,941
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,872
−HK$946/mo
Today · 4.125%
HK$31,818
baseline
▲ 0.50% · 4.625%
HK$33,754
+HK$1,936/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$63,636/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,309
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,202
−HK$906/mo
Today · 4.125%
HK$35,108
baseline
▲ 0.50% · 4.625%
HK$36,959
+HK$1,851/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$70,216/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,495
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,693
−HK$1,216/mo
Today · 4.125%
HK$40,909
baseline
▲ 0.50% · 4.625%
HK$43,399
+HK$2,490/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,818/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,826
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,974
−HK$1,165/mo
Today · 4.125%
HK$45,139
baseline
▲ 0.50% · 4.625%
HK$47,519
+HK$2,380/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,278/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,892 · 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).