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$21,521
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,190
−HK$680/mo
Today · 4.125%
HK$22,870
baseline
▲ 0.50% · 4.625%
HK$24,262
+HK$1,392/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,740/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,941
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,584
−HK$651/mo
Today · 4.125%
HK$25,235
baseline
▲ 0.50% · 4.625%
HK$26,565
+HK$1,330/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,470/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,825
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,628
−HK$816/mo
Today · 4.125%
HK$27,444
baseline
▲ 0.50% · 4.625%
HK$29,114
+HK$1,670/mo
Deposit HK$3.78M · loan HK$5.66M · min. income ≈ HK$54,888/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,730
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,500
−HK$782/mo
Today · 4.125%
HK$30,282
baseline
▲ 0.50% · 4.625%
HK$31,878
+HK$1,596/mo
Deposit HK$3.78M · loan HK$5.66M · min. income ≈ HK$60,564/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,129
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,066
−HK$952/mo
Today · 4.125%
HK$32,018
baseline
▲ 0.50% · 4.625%
HK$33,966
+HK$1,948/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,036/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$313,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,518
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,417
−HK$912/mo
Today · 4.125%
HK$35,329
baseline
▲ 0.50% · 4.625%
HK$37,191
+HK$1,862/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,658/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$313,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,737
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,942
−HK$1,224/mo
Today · 4.125%
HK$41,166
baseline
▲ 0.50% · 4.625%
HK$43,671
+HK$2,505/mo
Deposit HK$944K · loan HK$8.49M · min. income ≈ HK$82,332/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,095
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,250
−HK$1,173/mo
Today · 4.125%
HK$45,423
baseline
▲ 0.50% · 4.625%
HK$47,817
+HK$2,394/mo
Deposit HK$944K · loan HK$8.49M · min. income ≈ HK$90,846/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,782 · 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).