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$21,534
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,203
−HK$681/mo
Today · 4.125%
HK$22,884
baseline
▲ 0.50% · 4.625%
HK$24,276
+HK$1,392/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,768/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,956
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,598
−HK$652/mo
Today · 4.125%
HK$25,250
baseline
▲ 0.50% · 4.625%
HK$26,581
+HK$1,331/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,500/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,840
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,644
−HK$817/mo
Today · 4.125%
HK$27,461
baseline
▲ 0.50% · 4.625%
HK$29,132
+HK$1,671/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,922/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,747
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,518
−HK$782/mo
Today · 4.125%
HK$30,300
baseline
▲ 0.50% · 4.625%
HK$31,897
+HK$1,597/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,600/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,147
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,085
−HK$953/mo
Today · 4.125%
HK$32,038
baseline
▲ 0.50% · 4.625%
HK$33,987
+HK$1,949/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,076/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,538
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,438
−HK$912/mo
Today · 4.125%
HK$35,350
baseline
▲ 0.50% · 4.625%
HK$37,214
+HK$1,864/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,700/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,761
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,966
−HK$1,225/mo
Today · 4.125%
HK$41,191
baseline
▲ 0.50% · 4.625%
HK$43,698
+HK$2,507/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$82,382/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,121
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,277
−HK$1,173/mo
Today · 4.125%
HK$45,450
baseline
▲ 0.50% · 4.625%
HK$47,846
+HK$2,396/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$90,900/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,352 · 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).