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$21,526
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,196
−HK$680/mo
Today · 4.125%
HK$22,876
baseline
▲ 0.50% · 4.625%
HK$24,268
+HK$1,392/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,752/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$314,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,948
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,590
−HK$652/mo
Today · 4.125%
HK$25,242
baseline
▲ 0.50% · 4.625%
HK$26,572
+HK$1,330/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,484/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$314,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,832
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,635
−HK$816/mo
Today · 4.125%
HK$27,451
baseline
▲ 0.50% · 4.625%
HK$29,122
+HK$1,671/mo
Deposit HK$3.78M · loan HK$5.66M · min. income ≈ HK$54,902/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,737
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,508
−HK$782/mo
Today · 4.125%
HK$30,290
baseline
▲ 0.50% · 4.625%
HK$31,886
+HK$1,596/mo
Deposit HK$3.78M · loan HK$5.66M · min. income ≈ HK$60,580/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,137
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,074
−HK$953/mo
Today · 4.125%
HK$32,027
baseline
▲ 0.50% · 4.625%
HK$33,975
+HK$1,948/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,054/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,527
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,426
−HK$912/mo
Today · 4.125%
HK$35,338
baseline
▲ 0.50% · 4.625%
HK$37,201
+HK$1,863/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,676/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,747
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,953
−HK$1,224/mo
Today · 4.125%
HK$41,177
baseline
▲ 0.50% · 4.625%
HK$43,683
+HK$2,506/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$82,354/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,106
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,262
−HK$1,173/mo
Today · 4.125%
HK$45,435
baseline
▲ 0.50% · 4.625%
HK$47,830
+HK$2,395/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$90,870/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,028 · 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).