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$21,400
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,065
−HK$677/mo
Today · 4.125%
HK$22,742
baseline
▲ 0.50% · 4.625%
HK$24,125
+HK$1,383/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$45,484/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,807
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,445
−HK$648/mo
Today · 4.125%
HK$25,093
baseline
▲ 0.50% · 4.625%
HK$26,416
+HK$1,323/mo
Deposit HK$4.69M · loan HK$4.69M · min. income ≈ HK$50,186/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$308,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,680
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,478
−HK$812/mo
Today · 4.125%
HK$27,290
baseline
▲ 0.50% · 4.625%
HK$28,950
+HK$1,660/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$54,580/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,568
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,334
−HK$778/mo
Today · 4.125%
HK$30,112
baseline
▲ 0.50% · 4.625%
HK$31,699
+HK$1,587/mo
Deposit HK$3.75M · loan HK$5.63M · min. income ≈ HK$60,224/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$308,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,960
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,891
−HK$947/mo
Today · 4.125%
HK$31,838
baseline
▲ 0.50% · 4.625%
HK$33,776
+HK$1,938/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$63,676/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,330
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,224
−HK$906/mo
Today · 4.125%
HK$35,130
baseline
▲ 0.50% · 4.625%
HK$36,982
+HK$1,852/mo
Deposit HK$2.82M · loan HK$6.57M · min. income ≈ HK$70,260/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$308,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,519
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,718
−HK$1,217/mo
Today · 4.125%
HK$40,935
baseline
▲ 0.50% · 4.625%
HK$43,426
+HK$2,491/mo
Deposit HK$938K · loan HK$8.45M · min. income ≈ HK$81,870/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,852
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,002
−HK$1,166/mo
Today · 4.125%
HK$45,168
baseline
▲ 0.50% · 4.625%
HK$47,548
+HK$2,380/mo
Deposit HK$938K · loan HK$8.45M · min. income ≈ HK$90,336/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$308,476 · 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).