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$21,398
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,064
−HK$676/mo
Today · 4.125%
HK$22,740
baseline
▲ 0.50% · 4.625%
HK$24,124
+HK$1,384/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,480/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,806
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,444
−HK$648/mo
Today · 4.125%
HK$25,092
baseline
▲ 0.50% · 4.625%
HK$26,414
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,184/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,678
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,477
−HK$811/mo
Today · 4.125%
HK$27,288
baseline
▲ 0.50% · 4.625%
HK$28,949
+HK$1,661/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,576/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,567
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,333
−HK$777/mo
Today · 4.125%
HK$30,110
baseline
▲ 0.50% · 4.625%
HK$31,697
+HK$1,587/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,220/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,958
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,890
−HK$946/mo
Today · 4.125%
HK$31,836
baseline
▲ 0.50% · 4.625%
HK$33,774
+HK$1,938/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,672/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,328
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,222
−HK$906/mo
Today · 4.125%
HK$35,128
baseline
▲ 0.50% · 4.625%
HK$36,980
+HK$1,852/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,256/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,517
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,715
−HK$1,218/mo
Today · 4.125%
HK$40,933
baseline
▲ 0.50% · 4.625%
HK$43,423
+HK$2,490/mo
Deposit HK$938K · loan HK$8.45M · min. income ≈ HK$81,866/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,850
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,999
−HK$1,166/mo
Today · 4.125%
HK$45,165
baseline
▲ 0.50% · 4.625%
HK$47,546
+HK$2,381/mo
Deposit HK$938K · loan HK$8.45M · min. income ≈ HK$90,330/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,424 · 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).