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$21,546
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,217
−HK$681/mo
Today · 4.125%
HK$22,898
baseline
▲ 0.50% · 4.625%
HK$24,291
+HK$1,393/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,796/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,970
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,613
−HK$652/mo
Today · 4.125%
HK$25,265
baseline
▲ 0.50% · 4.625%
HK$26,597
+HK$1,332/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,530/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,856
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,660
−HK$817/mo
Today · 4.125%
HK$27,477
baseline
▲ 0.50% · 4.625%
HK$29,149
+HK$1,672/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,954/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,764
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,536
−HK$782/mo
Today · 4.125%
HK$30,318
baseline
▲ 0.50% · 4.625%
HK$31,916
+HK$1,598/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,636/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,165
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,103
−HK$954/mo
Today · 4.125%
HK$32,057
baseline
▲ 0.50% · 4.625%
HK$34,007
+HK$1,950/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,114/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,558
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,458
−HK$913/mo
Today · 4.125%
HK$35,371
baseline
▲ 0.50% · 4.625%
HK$37,236
+HK$1,865/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,742/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,784
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,990
−HK$1,226/mo
Today · 4.125%
HK$41,216
baseline
▲ 0.50% · 4.625%
HK$43,723
+HK$2,507/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$82,432/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,146
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,303
−HK$1,174/mo
Today · 4.125%
HK$45,477
baseline
▲ 0.50% · 4.625%
HK$47,875
+HK$2,398/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$90,954/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,912 · 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).