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$21,529
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,199
−HK$680/mo
Today · 4.125%
HK$22,879
baseline
▲ 0.50% · 4.625%
HK$24,271
+HK$1,392/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,758/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$314,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,951
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,593
−HK$652/mo
Today · 4.125%
HK$25,245
baseline
▲ 0.50% · 4.625%
HK$26,576
+HK$1,331/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,490/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$314,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,835
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,639
−HK$816/mo
Today · 4.125%
HK$27,455
baseline
▲ 0.50% · 4.625%
HK$29,126
+HK$1,671/mo
Deposit HK$3.78M · loan HK$5.66M · min. income ≈ HK$54,910/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,741
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,512
−HK$782/mo
Today · 4.125%
HK$30,294
baseline
▲ 0.50% · 4.625%
HK$31,891
+HK$1,597/mo
Deposit HK$3.78M · loan HK$5.66M · min. income ≈ HK$60,588/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,141
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,078
−HK$953/mo
Today · 4.125%
HK$32,031
baseline
▲ 0.50% · 4.625%
HK$33,980
+HK$1,949/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,062/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,531
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,431
−HK$912/mo
Today · 4.125%
HK$35,343
baseline
▲ 0.50% · 4.625%
HK$37,206
+HK$1,863/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,686/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,753
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,958
−HK$1,225/mo
Today · 4.125%
HK$41,183
baseline
▲ 0.50% · 4.625%
HK$43,689
+HK$2,506/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$82,366/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,112
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,268
−HK$1,173/mo
Today · 4.125%
HK$45,441
baseline
▲ 0.50% · 4.625%
HK$47,836
+HK$2,395/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$90,882/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,159 · 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).