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$21,524
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,194
−HK$680/mo
Today · 4.125%
HK$22,874
baseline
▲ 0.50% · 4.625%
HK$24,266
+HK$1,392/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,748/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,946
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,588
−HK$651/mo
Today · 4.125%
HK$25,239
baseline
▲ 0.50% · 4.625%
HK$26,570
+HK$1,331/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,478/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,829
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,633
−HK$816/mo
Today · 4.125%
HK$27,449
baseline
▲ 0.50% · 4.625%
HK$29,119
+HK$1,670/mo
Deposit HK$3.78M · loan HK$5.66M · min. income ≈ HK$54,898/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,735
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,506
−HK$781/mo
Today · 4.125%
HK$30,287
baseline
▲ 0.50% · 4.625%
HK$31,884
+HK$1,597/mo
Deposit HK$3.78M · loan HK$5.66M · min. income ≈ HK$60,574/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,134
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,072
−HK$952/mo
Today · 4.125%
HK$32,024
baseline
▲ 0.50% · 4.625%
HK$33,973
+HK$1,949/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,048/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$313,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,524
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,423
−HK$912/mo
Today · 4.125%
HK$35,335
baseline
▲ 0.50% · 4.625%
HK$37,198
+HK$1,863/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,670/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$313,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,744
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,949
−HK$1,225/mo
Today · 4.125%
HK$41,174
baseline
▲ 0.50% · 4.625%
HK$43,679
+HK$2,505/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$82,348/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,102
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,258
−HK$1,173/mo
Today · 4.125%
HK$45,431
baseline
▲ 0.50% · 4.625%
HK$47,826
+HK$2,395/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$90,862/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,951 · 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).