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$21,505
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,174
−HK$680/mo
Today · 4.125%
HK$22,854
baseline
▲ 0.50% · 4.625%
HK$24,245
+HK$1,391/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,708/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,925
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,566
−HK$651/mo
Today · 4.125%
HK$25,217
baseline
▲ 0.50% · 4.625%
HK$26,546
+HK$1,329/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,434/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,807
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,609
−HK$816/mo
Today · 4.125%
HK$27,425
baseline
▲ 0.50% · 4.625%
HK$29,094
+HK$1,669/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,850/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,710
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,480
−HK$781/mo
Today · 4.125%
HK$30,261
baseline
▲ 0.50% · 4.625%
HK$31,856
+HK$1,595/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,522/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,108
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,044
−HK$952/mo
Today · 4.125%
HK$31,996
baseline
▲ 0.50% · 4.625%
HK$33,943
+HK$1,947/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,992/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,494
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,393
−HK$911/mo
Today · 4.125%
HK$35,304
baseline
▲ 0.50% · 4.625%
HK$37,165
+HK$1,861/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,608/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,710
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,914
−HK$1,223/mo
Today · 4.125%
HK$41,137
baseline
▲ 0.50% · 4.625%
HK$43,640
+HK$2,503/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$82,274/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,064
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,219
−HK$1,172/mo
Today · 4.125%
HK$45,391
baseline
▲ 0.50% · 4.625%
HK$47,784
+HK$2,393/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$90,782/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,116 · 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).