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$21,525
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,195
−HK$680/mo
Today · 4.125%
HK$22,875
baseline
▲ 0.50% · 4.625%
HK$24,267
+HK$1,392/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,750/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,947
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,589
−HK$651/mo
Today · 4.125%
HK$25,240
baseline
▲ 0.50% · 4.625%
HK$26,571
+HK$1,331/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,480/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,830
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,634
−HK$816/mo
Today · 4.125%
HK$27,450
baseline
▲ 0.50% · 4.625%
HK$29,120
+HK$1,670/mo
Deposit HK$3.78M · loan HK$5.66M · min. income ≈ HK$54,900/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,736
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,507
−HK$782/mo
Today · 4.125%
HK$30,289
baseline
▲ 0.50% · 4.625%
HK$31,885
+HK$1,596/mo
Deposit HK$3.78M · loan HK$5.66M · min. income ≈ HK$60,578/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,135
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,073
−HK$952/mo
Today · 4.125%
HK$32,025
baseline
▲ 0.50% · 4.625%
HK$33,974
+HK$1,949/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,050/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$313,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,525
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,424
−HK$913/mo
Today · 4.125%
HK$35,337
baseline
▲ 0.50% · 4.625%
HK$37,199
+HK$1,862/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,674/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$313,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,746
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,951
−HK$1,224/mo
Today · 4.125%
HK$41,175
baseline
▲ 0.50% · 4.625%
HK$43,681
+HK$2,506/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$82,350/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,104
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,260
−HK$1,173/mo
Today · 4.125%
HK$45,433
baseline
▲ 0.50% · 4.625%
HK$47,828
+HK$2,395/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$90,866/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,986 · 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).