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$21,411
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,077
−HK$677/mo
Today · 4.125%
HK$22,754
baseline
▲ 0.50% · 4.625%
HK$24,139
+HK$1,385/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,508/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,820
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,459
−HK$648/mo
Today · 4.125%
HK$25,107
baseline
▲ 0.50% · 4.625%
HK$26,430
+HK$1,323/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,214/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,694
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,493
−HK$812/mo
Today · 4.125%
HK$27,305
baseline
▲ 0.50% · 4.625%
HK$28,966
+HK$1,661/mo
Deposit HK$3.76M · loan HK$5.63M · min. income ≈ HK$54,610/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,584
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,351
−HK$777/mo
Today · 4.125%
HK$30,128
baseline
▲ 0.50% · 4.625%
HK$31,716
+HK$1,588/mo
Deposit HK$3.76M · loan HK$5.63M · min. income ≈ HK$60,256/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,976
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,908
−HK$948/mo
Today · 4.125%
HK$31,856
baseline
▲ 0.50% · 4.625%
HK$33,794
+HK$1,938/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,712/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$308,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,348
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,242
−HK$908/mo
Today · 4.125%
HK$35,150
baseline
▲ 0.50% · 4.625%
HK$37,003
+HK$1,853/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,300/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$308,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,541
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,739
−HK$1,218/mo
Today · 4.125%
HK$40,957
baseline
▲ 0.50% · 4.625%
HK$43,450
+HK$2,493/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$81,914/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,876
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,026
−HK$1,166/mo
Today · 4.125%
HK$45,192
baseline
▲ 0.50% · 4.625%
HK$47,575
+HK$2,383/mo
Deposit HK$939K · loan HK$8.45M · min. income ≈ HK$90,384/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,993 · 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).