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$21,514
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,183
−HK$680/mo
Today · 4.125%
HK$22,863
baseline
▲ 0.50% · 4.625%
HK$24,254
+HK$1,391/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,726/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,934
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,576
−HK$651/mo
Today · 4.125%
HK$25,227
baseline
▲ 0.50% · 4.625%
HK$26,557
+HK$1,330/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,454/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,817
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,620
−HK$815/mo
Today · 4.125%
HK$27,435
baseline
▲ 0.50% · 4.625%
HK$29,105
+HK$1,670/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,870/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,721
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,491
−HK$781/mo
Today · 4.125%
HK$30,272
baseline
▲ 0.50% · 4.625%
HK$31,868
+HK$1,596/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,544/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,119
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,056
−HK$952/mo
Today · 4.125%
HK$32,008
baseline
▲ 0.50% · 4.625%
HK$33,956
+HK$1,948/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$64,016/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,507
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,406
−HK$912/mo
Today · 4.125%
HK$35,318
baseline
▲ 0.50% · 4.625%
HK$37,179
+HK$1,861/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,636/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,725
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,929
−HK$1,224/mo
Today · 4.125%
HK$41,153
baseline
▲ 0.50% · 4.625%
HK$43,657
+HK$2,504/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$82,306/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,081
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,236
−HK$1,172/mo
Today · 4.125%
HK$45,408
baseline
▲ 0.50% · 4.625%
HK$47,802
+HK$2,394/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$90,816/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,481 · 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).