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$21,504
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,173
−HK$679/mo
Today · 4.125%
HK$22,852
baseline
▲ 0.50% · 4.625%
HK$24,243
+HK$1,391/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,704/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,923
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,564
−HK$651/mo
Today · 4.125%
HK$25,215
baseline
▲ 0.50% · 4.625%
HK$26,544
+HK$1,329/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,430/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,805
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,607
−HK$816/mo
Today · 4.125%
HK$27,423
baseline
▲ 0.50% · 4.625%
HK$29,091
+HK$1,668/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,846/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,707
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,477
−HK$781/mo
Today · 4.125%
HK$30,258
baseline
▲ 0.50% · 4.625%
HK$31,853
+HK$1,595/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,516/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,105
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,042
−HK$951/mo
Today · 4.125%
HK$31,993
baseline
▲ 0.50% · 4.625%
HK$33,940
+HK$1,947/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,986/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,492
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,390
−HK$911/mo
Today · 4.125%
HK$35,301
baseline
▲ 0.50% · 4.625%
HK$37,162
+HK$1,861/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,602/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,707
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,911
−HK$1,223/mo
Today · 4.125%
HK$41,134
baseline
▲ 0.50% · 4.625%
HK$43,637
+HK$2,503/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$82,268/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,061
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,216
−HK$1,171/mo
Today · 4.125%
HK$45,387
baseline
▲ 0.50% · 4.625%
HK$47,780
+HK$2,393/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$90,774/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,042 · 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).