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$21,544
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,214
−HK$681/mo
Today · 4.125%
HK$22,895
baseline
▲ 0.50% · 4.625%
HK$24,288
+HK$1,393/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,790/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,968
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,610
−HK$652/mo
Today · 4.125%
HK$25,262
baseline
▲ 0.50% · 4.625%
HK$26,594
+HK$1,332/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,524/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,853
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,657
−HK$817/mo
Today · 4.125%
HK$27,474
baseline
▲ 0.50% · 4.625%
HK$29,146
+HK$1,672/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,948/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,761
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,532
−HK$783/mo
Today · 4.125%
HK$30,315
baseline
▲ 0.50% · 4.625%
HK$31,913
+HK$1,598/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,630/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,162
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,100
−HK$953/mo
Today · 4.125%
HK$32,053
baseline
▲ 0.50% · 4.625%
HK$34,003
+HK$1,950/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,106/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,555
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,455
−HK$912/mo
Today · 4.125%
HK$35,367
baseline
▲ 0.50% · 4.625%
HK$37,232
+HK$1,865/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,734/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,779
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,986
−HK$1,225/mo
Today · 4.125%
HK$41,211
baseline
▲ 0.50% · 4.625%
HK$43,719
+HK$2,508/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$82,422/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,142
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,299
−HK$1,173/mo
Today · 4.125%
HK$45,472
baseline
▲ 0.50% · 4.625%
HK$47,869
+HK$2,397/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$90,944/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,810 · 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).