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$21,512
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,181
−HK$680/mo
Today · 4.125%
HK$22,861
baseline
▲ 0.50% · 4.625%
HK$24,252
+HK$1,391/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,722/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,932
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,574
−HK$651/mo
Today · 4.125%
HK$25,225
baseline
▲ 0.50% · 4.625%
HK$26,554
+HK$1,329/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,450/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,814
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,617
−HK$816/mo
Today · 4.125%
HK$27,433
baseline
▲ 0.50% · 4.625%
HK$29,102
+HK$1,669/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,866/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,718
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,488
−HK$782/mo
Today · 4.125%
HK$30,270
baseline
▲ 0.50% · 4.625%
HK$31,865
+HK$1,595/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,540/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,117
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,053
−HK$952/mo
Today · 4.125%
HK$32,005
baseline
▲ 0.50% · 4.625%
HK$33,953
+HK$1,948/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$64,010/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,504
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,403
−HK$912/mo
Today · 4.125%
HK$35,315
baseline
▲ 0.50% · 4.625%
HK$37,176
+HK$1,861/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,630/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,721
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,926
−HK$1,224/mo
Today · 4.125%
HK$41,150
baseline
▲ 0.50% · 4.625%
HK$43,653
+HK$2,503/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$82,300/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,077
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,232
−HK$1,173/mo
Today · 4.125%
HK$45,405
baseline
▲ 0.50% · 4.625%
HK$47,798
+HK$2,393/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$90,810/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,399 · 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).