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$21,538
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,208
−HK$681/mo
Today · 4.125%
HK$22,889
baseline
▲ 0.50% · 4.625%
HK$24,281
+HK$1,392/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,778/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,961
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,603
−HK$652/mo
Today · 4.125%
HK$25,255
baseline
▲ 0.50% · 4.625%
HK$26,586
+HK$1,331/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,510/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,846
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,649
−HK$817/mo
Today · 4.125%
HK$27,466
baseline
▲ 0.50% · 4.625%
HK$29,138
+HK$1,672/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,932/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,753
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,524
−HK$782/mo
Today · 4.125%
HK$30,306
baseline
▲ 0.50% · 4.625%
HK$31,904
+HK$1,598/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,612/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,153
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,091
−HK$953/mo
Today · 4.125%
HK$32,044
baseline
▲ 0.50% · 4.625%
HK$33,994
+HK$1,950/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,088/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,545
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,445
−HK$912/mo
Today · 4.125%
HK$35,357
baseline
▲ 0.50% · 4.625%
HK$37,221
+HK$1,864/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,714/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,768
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,974
−HK$1,225/mo
Today · 4.125%
HK$41,199
baseline
▲ 0.50% · 4.625%
HK$43,706
+HK$2,507/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$82,398/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,129
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,286
−HK$1,173/mo
Today · 4.125%
HK$45,459
baseline
▲ 0.50% · 4.625%
HK$47,856
+HK$2,397/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$90,918/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,540 · 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).