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$21,533
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,203
−HK$680/mo
Today · 4.125%
HK$22,883
baseline
▲ 0.50% · 4.625%
HK$24,276
+HK$1,393/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,766/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,955
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,598
−HK$652/mo
Today · 4.125%
HK$25,250
baseline
▲ 0.50% · 4.625%
HK$26,581
+HK$1,331/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,500/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,840
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,644
−HK$816/mo
Today · 4.125%
HK$27,460
baseline
▲ 0.50% · 4.625%
HK$29,131
+HK$1,671/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,920/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,747
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,517
−HK$783/mo
Today · 4.125%
HK$30,300
baseline
▲ 0.50% · 4.625%
HK$31,897
+HK$1,597/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,600/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,146
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,084
−HK$953/mo
Today · 4.125%
HK$32,037
baseline
▲ 0.50% · 4.625%
HK$33,986
+HK$1,949/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,074/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,538
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,437
−HK$913/mo
Today · 4.125%
HK$35,350
baseline
▲ 0.50% · 4.625%
HK$37,213
+HK$1,863/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,700/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,760
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,965
−HK$1,225/mo
Today · 4.125%
HK$41,190
baseline
▲ 0.50% · 4.625%
HK$43,697
+HK$2,507/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$82,380/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,120
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,276
−HK$1,173/mo
Today · 4.125%
HK$45,449
baseline
▲ 0.50% · 4.625%
HK$47,845
+HK$2,396/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$90,898/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,331 · 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).