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$21,503
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,172
−HK$679/mo
Today · 4.125%
HK$22,851
baseline
▲ 0.50% · 4.625%
HK$24,242
+HK$1,391/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,702/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,922
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,564
−HK$650/mo
Today · 4.125%
HK$25,214
baseline
▲ 0.50% · 4.625%
HK$26,543
+HK$1,329/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,428/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,804
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,606
−HK$816/mo
Today · 4.125%
HK$27,422
baseline
▲ 0.50% · 4.625%
HK$29,090
+HK$1,668/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,844/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,706
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,476
−HK$781/mo
Today · 4.125%
HK$30,257
baseline
▲ 0.50% · 4.625%
HK$31,852
+HK$1,595/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,514/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,104
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,041
−HK$951/mo
Today · 4.125%
HK$31,992
baseline
▲ 0.50% · 4.625%
HK$33,939
+HK$1,947/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,984/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,491
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,389
−HK$911/mo
Today · 4.125%
HK$35,300
baseline
▲ 0.50% · 4.625%
HK$37,161
+HK$1,861/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,600/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,706
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,909
−HK$1,224/mo
Today · 4.125%
HK$41,133
baseline
▲ 0.50% · 4.625%
HK$43,636
+HK$2,503/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$82,266/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,059
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,214
−HK$1,172/mo
Today · 4.125%
HK$45,386
baseline
▲ 0.50% · 4.625%
HK$47,778
+HK$2,392/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$90,772/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,011 · 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).