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$21,543
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,213
−HK$680/mo
Today · 4.125%
HK$22,893
baseline
▲ 0.50% · 4.625%
HK$24,286
+HK$1,393/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,786/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,966
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,609
−HK$652/mo
Today · 4.125%
HK$25,261
baseline
▲ 0.50% · 4.625%
HK$26,592
+HK$1,331/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,522/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,851
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,655
−HK$817/mo
Today · 4.125%
HK$27,472
baseline
▲ 0.50% · 4.625%
HK$29,144
+HK$1,672/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,944/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,759
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,530
−HK$783/mo
Today · 4.125%
HK$30,313
baseline
▲ 0.50% · 4.625%
HK$31,911
+HK$1,598/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,626/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,160
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,098
−HK$953/mo
Today · 4.125%
HK$32,051
baseline
▲ 0.50% · 4.625%
HK$34,001
+HK$1,950/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,102/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,552
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,452
−HK$913/mo
Today · 4.125%
HK$35,365
baseline
▲ 0.50% · 4.625%
HK$37,229
+HK$1,864/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,730/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,777
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,983
−HK$1,225/mo
Today · 4.125%
HK$41,208
baseline
▲ 0.50% · 4.625%
HK$43,716
+HK$2,508/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$82,416/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,139
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,296
−HK$1,173/mo
Today · 4.125%
HK$45,469
baseline
▲ 0.50% · 4.625%
HK$47,866
+HK$2,397/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$90,938/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,743 · 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).