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$21,548
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,218
−HK$681/mo
Today · 4.125%
HK$22,899
baseline
▲ 0.50% · 4.625%
HK$24,293
+HK$1,394/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,798/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,972
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,615
−HK$652/mo
Today · 4.125%
HK$25,267
baseline
▲ 0.50% · 4.625%
HK$26,599
+HK$1,332/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,534/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,858
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,662
−HK$817/mo
Today · 4.125%
HK$27,479
baseline
▲ 0.50% · 4.625%
HK$29,151
+HK$1,672/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,958/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,766
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,538
−HK$782/mo
Today · 4.125%
HK$30,320
baseline
▲ 0.50% · 4.625%
HK$31,919
+HK$1,599/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,640/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,167
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,105
−HK$954/mo
Today · 4.125%
HK$32,059
baseline
▲ 0.50% · 4.625%
HK$34,010
+HK$1,951/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,118/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,561
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,461
−HK$913/mo
Today · 4.125%
HK$35,374
baseline
▲ 0.50% · 4.625%
HK$37,238
+HK$1,864/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,748/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,786
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$39,993
−HK$1,226/mo
Today · 4.125%
HK$41,219
baseline
▲ 0.50% · 4.625%
HK$43,727
+HK$2,508/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$82,438/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,149
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,307
−HK$1,174/mo
Today · 4.125%
HK$45,481
baseline
▲ 0.50% · 4.625%
HK$47,878
+HK$2,397/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$90,962/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,979 · 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).