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$21,544
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,214
−HK$681/mo
Today · 4.125%
HK$22,895
baseline
▲ 0.50% · 4.625%
HK$24,288
+HK$1,393/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,790/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,967
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,610
−HK$652/mo
Today · 4.125%
HK$25,262
baseline
▲ 0.50% · 4.625%
HK$26,594
+HK$1,332/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,524/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,852
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,657
−HK$817/mo
Today · 4.125%
HK$27,474
baseline
▲ 0.50% · 4.625%
HK$29,145
+HK$1,671/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,948/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,761
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,532
−HK$782/mo
Today · 4.125%
HK$30,314
baseline
▲ 0.50% · 4.625%
HK$31,912
+HK$1,598/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,628/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,161
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,099
−HK$953/mo
Today · 4.125%
HK$32,052
baseline
▲ 0.50% · 4.625%
HK$34,003
+HK$1,951/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,104/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,554
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,454
−HK$913/mo
Today · 4.125%
HK$35,367
baseline
▲ 0.50% · 4.625%
HK$37,231
+HK$1,864/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,734/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,779
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,985
−HK$1,225/mo
Today · 4.125%
HK$41,210
baseline
▲ 0.50% · 4.625%
HK$43,718
+HK$2,508/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$82,420/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,141
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,298
−HK$1,174/mo
Today · 4.125%
HK$45,472
baseline
▲ 0.50% · 4.625%
HK$47,868
+HK$2,396/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$90,944/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,792 · 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).