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$21,540
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,210
−HK$681/mo
Today · 4.125%
HK$22,891
baseline
▲ 0.50% · 4.625%
HK$24,283
+HK$1,392/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,782/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,963
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,606
−HK$652/mo
Today · 4.125%
HK$25,258
baseline
▲ 0.50% · 4.625%
HK$26,589
+HK$1,331/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,516/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,848
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,652
−HK$817/mo
Today · 4.125%
HK$27,469
baseline
▲ 0.50% · 4.625%
HK$29,140
+HK$1,671/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,938/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,756
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,527
−HK$782/mo
Today · 4.125%
HK$30,309
baseline
▲ 0.50% · 4.625%
HK$31,907
+HK$1,598/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,618/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,156
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,094
−HK$953/mo
Today · 4.125%
HK$32,047
baseline
▲ 0.50% · 4.625%
HK$33,997
+HK$1,950/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,094/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,548
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,448
−HK$913/mo
Today · 4.125%
HK$35,361
baseline
▲ 0.50% · 4.625%
HK$37,225
+HK$1,864/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,722/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,772
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,978
−HK$1,225/mo
Today · 4.125%
HK$41,203
baseline
▲ 0.50% · 4.625%
HK$43,710
+HK$2,507/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$82,406/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,133
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,290
−HK$1,174/mo
Today · 4.125%
HK$45,464
baseline
▲ 0.50% · 4.625%
HK$47,860
+HK$2,396/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$90,928/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,627 · 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).