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$21,517
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,186
−HK$680/mo
Today · 4.125%
HK$22,866
baseline
▲ 0.50% · 4.625%
HK$24,258
+HK$1,392/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,732/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,937
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,579
−HK$652/mo
Today · 4.125%
HK$25,231
baseline
▲ 0.50% · 4.625%
HK$26,561
+HK$1,330/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,462/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,820
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,624
−HK$816/mo
Today · 4.125%
HK$27,440
baseline
▲ 0.50% · 4.625%
HK$29,109
+HK$1,669/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,880/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,725
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,495
−HK$782/mo
Today · 4.125%
HK$30,277
baseline
▲ 0.50% · 4.625%
HK$31,873
+HK$1,596/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,554/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,124
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,061
−HK$952/mo
Today · 4.125%
HK$32,013
baseline
▲ 0.50% · 4.625%
HK$33,961
+HK$1,948/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,026/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,512
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,411
−HK$912/mo
Today · 4.125%
HK$35,323
baseline
▲ 0.50% · 4.625%
HK$37,185
+HK$1,862/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,646/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,731
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,935
−HK$1,224/mo
Today · 4.125%
HK$41,159
baseline
▲ 0.50% · 4.625%
HK$43,664
+HK$2,505/mo
Deposit HK$944K · loan HK$8.49M · min. income ≈ HK$82,318/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,087
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,243
−HK$1,172/mo
Today · 4.125%
HK$45,415
baseline
▲ 0.50% · 4.625%
HK$47,809
+HK$2,394/mo
Deposit HK$944K · loan HK$8.49M · min. income ≈ HK$90,830/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,624 · 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).