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$1,351/mo
▼ 0.25% · 3.875%
HK$22,213
−HK$681/mo
Today · 4.125%
HK$22,894
baseline
▲ 0.50% · 4.625%
HK$24,287
+HK$1,393/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,788/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,762 · 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$26,593
+HK$1,332/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$314,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,852
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,656
−HK$817/mo
Today · 4.125%
HK$27,473
baseline
▲ 0.50% · 4.625%
HK$29,144
+HK$1,671/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,946/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,760
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,531
−HK$782/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$314,762 · 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$34,002
+HK$1,951/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$314,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,553
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,453
−HK$913/mo
Today · 4.125%
HK$35,366
baseline
▲ 0.50% · 4.625%
HK$37,230
+HK$1,864/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,732/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,777
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,984
−HK$1,225/mo
Today · 4.125%
HK$41,209
baseline
▲ 0.50% · 4.625%
HK$43,717
+HK$2,508/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$82,418/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,139
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,296
−HK$1,174/mo
Today · 4.125%
HK$45,470
baseline
▲ 0.50% · 4.625%
HK$47,867
+HK$2,397/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$90,940/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,762 · 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).