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$21,520
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,189
−HK$680/mo
Today · 4.125%
HK$22,869
baseline
▲ 0.50% · 4.625%
HK$24,261
+HK$1,392/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,738/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,941
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,583
−HK$651/mo
Today · 4.125%
HK$25,234
baseline
▲ 0.50% · 4.625%
HK$26,564
+HK$1,330/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,468/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,824
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,627
−HK$816/mo
Today · 4.125%
HK$27,443
baseline
▲ 0.50% · 4.625%
HK$29,113
+HK$1,670/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,886/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,729
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,499
−HK$782/mo
Today · 4.125%
HK$30,281
baseline
▲ 0.50% · 4.625%
HK$31,877
+HK$1,596/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,562/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,128
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,065
−HK$952/mo
Today · 4.125%
HK$32,017
baseline
▲ 0.50% · 4.625%
HK$33,965
+HK$1,948/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,034/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,517
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,416
−HK$912/mo
Today · 4.125%
HK$35,328
baseline
▲ 0.50% · 4.625%
HK$37,190
+HK$1,862/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,656/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,736
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,940
−HK$1,225/mo
Today · 4.125%
HK$41,165
baseline
▲ 0.50% · 4.625%
HK$43,669
+HK$2,504/mo
Deposit HK$944K · loan HK$8.49M · min. income ≈ HK$82,330/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,093
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,249
−HK$1,172/mo
Today · 4.125%
HK$45,421
baseline
▲ 0.50% · 4.625%
HK$47,815
+HK$2,394/mo
Deposit HK$944K · loan HK$8.49M · min. income ≈ HK$90,842/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,743 · 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).