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$21,522
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,191
−HK$680/mo
Today · 4.125%
HK$22,871
baseline
▲ 0.50% · 4.625%
HK$24,263
+HK$1,392/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,742/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,942
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,585
−HK$651/mo
Today · 4.125%
HK$25,236
baseline
▲ 0.50% · 4.625%
HK$26,566
+HK$1,330/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,472/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,826
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,629
−HK$816/mo
Today · 4.125%
HK$27,445
baseline
▲ 0.50% · 4.625%
HK$29,115
+HK$1,670/mo
Deposit HK$3.78M · loan HK$5.66M · min. income ≈ HK$54,890/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,731
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,502
−HK$781/mo
Today · 4.125%
HK$30,283
baseline
▲ 0.50% · 4.625%
HK$31,879
+HK$1,596/mo
Deposit HK$3.78M · loan HK$5.66M · min. income ≈ HK$60,566/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,130
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,067
−HK$953/mo
Today · 4.125%
HK$32,020
baseline
▲ 0.50% · 4.625%
HK$33,968
+HK$1,948/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,040/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$313,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,519
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,418
−HK$912/mo
Today · 4.125%
HK$35,330
baseline
▲ 0.50% · 4.625%
HK$37,193
+HK$1,863/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,660/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$313,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,739
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,944
−HK$1,224/mo
Today · 4.125%
HK$41,168
baseline
▲ 0.50% · 4.625%
HK$43,673
+HK$2,505/mo
Deposit HK$944K · loan HK$8.49M · min. income ≈ HK$82,336/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,096
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,252
−HK$1,173/mo
Today · 4.125%
HK$45,425
baseline
▲ 0.50% · 4.625%
HK$47,819
+HK$2,394/mo
Deposit HK$944K · loan HK$8.49M · min. income ≈ HK$90,850/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,821 · 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).