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$21,391
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,056
−HK$676/mo
Today · 4.125%
HK$22,732
baseline
▲ 0.50% · 4.625%
HK$24,115
+HK$1,383/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,464/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,797
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,435
−HK$648/mo
Today · 4.125%
HK$25,083
baseline
▲ 0.50% · 4.625%
HK$26,405
+HK$1,322/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,166/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,669
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,467
−HK$812/mo
Today · 4.125%
HK$27,279
baseline
▲ 0.50% · 4.625%
HK$28,938
+HK$1,659/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,558/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,556
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,322
−HK$777/mo
Today · 4.125%
HK$30,099
baseline
▲ 0.50% · 4.625%
HK$31,686
+HK$1,587/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,198/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,947
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,879
−HK$946/mo
Today · 4.125%
HK$31,825
baseline
▲ 0.50% · 4.625%
HK$33,762
+HK$1,937/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$63,650/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,316
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,209
−HK$907/mo
Today · 4.125%
HK$35,116
baseline
▲ 0.50% · 4.625%
HK$36,967
+HK$1,851/mo
Deposit HK$2.81M · loan HK$6.57M · min. income ≈ HK$70,232/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,503
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,701
−HK$1,217/mo
Today · 4.125%
HK$40,918
baseline
▲ 0.50% · 4.625%
HK$43,408
+HK$2,490/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$81,836/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,835
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,984
−HK$1,165/mo
Today · 4.125%
HK$45,149
baseline
▲ 0.50% · 4.625%
HK$47,529
+HK$2,380/mo
Deposit HK$938K · loan HK$8.44M · min. income ≈ HK$90,298/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,089 · 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).