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$21,385
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,050
−HK$676/mo
Today · 4.125%
HK$22,726
baseline
▲ 0.50% · 4.625%
HK$24,109
+HK$1,383/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,452/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,791
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,429
−HK$647/mo
Today · 4.125%
HK$25,076
baseline
▲ 0.50% · 4.625%
HK$26,398
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,152/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$307,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,662
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,460
−HK$811/mo
Today · 4.125%
HK$27,271
baseline
▲ 0.50% · 4.625%
HK$28,931
+HK$1,660/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,542/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,549
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,315
−HK$776/mo
Today · 4.125%
HK$30,091
baseline
▲ 0.50% · 4.625%
HK$31,678
+HK$1,587/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,182/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$307,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,939
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,871
−HK$946/mo
Today · 4.125%
HK$31,817
baseline
▲ 0.50% · 4.625%
HK$33,753
+HK$1,936/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$63,634/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,307
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,200
−HK$907/mo
Today · 4.125%
HK$35,107
baseline
▲ 0.50% · 4.625%
HK$36,957
+HK$1,850/mo
Deposit HK$2.81M · loan HK$6.56M · min. income ≈ HK$70,214/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$307,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,493
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,691
−HK$1,216/mo
Today · 4.125%
HK$40,907
baseline
▲ 0.50% · 4.625%
HK$43,396
+HK$2,489/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,814/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,823
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,972
−HK$1,165/mo
Today · 4.125%
HK$45,137
baseline
▲ 0.50% · 4.625%
HK$47,516
+HK$2,379/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,274/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$307,842 · 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).