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$21,525
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,195
−HK$680/mo
Today · 4.125%
HK$22,875
baseline
▲ 0.50% · 4.625%
HK$24,267
+HK$1,392/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,750/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,946
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,589
−HK$651/mo
Today · 4.125%
HK$25,240
baseline
▲ 0.50% · 4.625%
HK$26,571
+HK$1,331/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,480/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,830
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,633
−HK$817/mo
Today · 4.125%
HK$27,450
baseline
▲ 0.50% · 4.625%
HK$29,120
+HK$1,670/mo
Deposit HK$3.78M · loan HK$5.66M · min. income ≈ HK$54,900/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,736
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,506
−HK$782/mo
Today · 4.125%
HK$30,288
baseline
▲ 0.50% · 4.625%
HK$31,885
+HK$1,597/mo
Deposit HK$3.78M · loan HK$5.66M · min. income ≈ HK$60,576/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,135
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,072
−HK$953/mo
Today · 4.125%
HK$32,025
baseline
▲ 0.50% · 4.625%
HK$33,973
+HK$1,948/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,050/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$313,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,525
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,424
−HK$912/mo
Today · 4.125%
HK$35,336
baseline
▲ 0.50% · 4.625%
HK$37,199
+HK$1,863/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,672/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$313,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,745
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,950
−HK$1,225/mo
Today · 4.125%
HK$41,175
baseline
▲ 0.50% · 4.625%
HK$43,680
+HK$2,505/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$82,350/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,103
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,259
−HK$1,173/mo
Today · 4.125%
HK$45,432
baseline
▲ 0.50% · 4.625%
HK$47,827
+HK$2,395/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$90,864/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,973 · 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).