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$21,537
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,207
−HK$681/mo
Today · 4.125%
HK$22,888
baseline
▲ 0.50% · 4.625%
HK$24,281
+HK$1,393/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,776/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,960
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,603
−HK$651/mo
Today · 4.125%
HK$25,254
baseline
▲ 0.50% · 4.625%
HK$26,586
+HK$1,332/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,508/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,845
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,649
−HK$816/mo
Today · 4.125%
HK$27,465
baseline
▲ 0.50% · 4.625%
HK$29,137
+HK$1,672/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,930/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,752
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,523
−HK$782/mo
Today · 4.125%
HK$30,305
baseline
▲ 0.50% · 4.625%
HK$31,903
+HK$1,598/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,610/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,152
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,090
−HK$953/mo
Today · 4.125%
HK$32,043
baseline
▲ 0.50% · 4.625%
HK$33,993
+HK$1,950/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,086/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,544
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,444
−HK$912/mo
Today · 4.125%
HK$35,356
baseline
▲ 0.50% · 4.625%
HK$37,220
+HK$1,864/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,712/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,767
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,973
−HK$1,225/mo
Today · 4.125%
HK$41,198
baseline
▲ 0.50% · 4.625%
HK$43,705
+HK$2,507/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$82,396/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,128
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,285
−HK$1,173/mo
Today · 4.125%
HK$45,458
baseline
▲ 0.50% · 4.625%
HK$47,854
+HK$2,396/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$90,916/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,511 · 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).