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$21,532
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,202
−HK$681/mo
Today · 4.125%
HK$22,883
baseline
▲ 0.50% · 4.625%
HK$24,275
+HK$1,392/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,766/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,954
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,597
−HK$652/mo
Today · 4.125%
HK$25,249
baseline
▲ 0.50% · 4.625%
HK$26,579
+HK$1,330/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,498/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,839
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,642
−HK$817/mo
Today · 4.125%
HK$27,459
baseline
▲ 0.50% · 4.625%
HK$29,130
+HK$1,671/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,918/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,745
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,516
−HK$782/mo
Today · 4.125%
HK$30,298
baseline
▲ 0.50% · 4.625%
HK$31,895
+HK$1,597/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,596/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,145
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,083
−HK$953/mo
Today · 4.125%
HK$32,036
baseline
▲ 0.50% · 4.625%
HK$33,985
+HK$1,949/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,072/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,536
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,436
−HK$912/mo
Today · 4.125%
HK$35,348
baseline
▲ 0.50% · 4.625%
HK$37,211
+HK$1,863/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,696/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,758
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,964
−HK$1,225/mo
Today · 4.125%
HK$41,189
baseline
▲ 0.50% · 4.625%
HK$43,695
+HK$2,506/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$82,378/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,118
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,274
−HK$1,173/mo
Today · 4.125%
HK$45,447
baseline
▲ 0.50% · 4.625%
HK$47,843
+HK$2,396/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$90,894/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,291 · 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).