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$21,523
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,193
−HK$680/mo
Today · 4.125%
HK$22,873
baseline
▲ 0.50% · 4.625%
HK$24,265
+HK$1,392/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,746/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,944
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,587
−HK$651/mo
Today · 4.125%
HK$25,238
baseline
▲ 0.50% · 4.625%
HK$26,568
+HK$1,330/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,476/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,828
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,631
−HK$816/mo
Today · 4.125%
HK$27,447
baseline
▲ 0.50% · 4.625%
HK$29,118
+HK$1,671/mo
Deposit HK$3.78M · loan HK$5.66M · min. income ≈ HK$54,894/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,733
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,504
−HK$782/mo
Today · 4.125%
HK$30,286
baseline
▲ 0.50% · 4.625%
HK$31,882
+HK$1,596/mo
Deposit HK$3.78M · loan HK$5.66M · min. income ≈ HK$60,572/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,132
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,070
−HK$952/mo
Today · 4.125%
HK$32,022
baseline
▲ 0.50% · 4.625%
HK$33,971
+HK$1,949/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,044/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$313,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,522
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,421
−HK$912/mo
Today · 4.125%
HK$35,333
baseline
▲ 0.50% · 4.625%
HK$37,196
+HK$1,863/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,666/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$313,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,742
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,947
−HK$1,224/mo
Today · 4.125%
HK$41,171
baseline
▲ 0.50% · 4.625%
HK$43,676
+HK$2,505/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$82,342/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,100
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,256
−HK$1,172/mo
Today · 4.125%
HK$45,428
baseline
▲ 0.50% · 4.625%
HK$47,823
+HK$2,395/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$90,856/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,894 · 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).