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$21,527
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,197
−HK$680/mo
Today · 4.125%
HK$22,877
baseline
▲ 0.50% · 4.625%
HK$24,269
+HK$1,392/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,754/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$314,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,949
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,591
−HK$652/mo
Today · 4.125%
HK$25,243
baseline
▲ 0.50% · 4.625%
HK$26,573
+HK$1,330/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,486/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$314,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,833
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,636
−HK$817/mo
Today · 4.125%
HK$27,453
baseline
▲ 0.50% · 4.625%
HK$29,123
+HK$1,670/mo
Deposit HK$3.78M · loan HK$5.66M · min. income ≈ HK$54,906/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,738
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,509
−HK$782/mo
Today · 4.125%
HK$30,291
baseline
▲ 0.50% · 4.625%
HK$31,888
+HK$1,597/mo
Deposit HK$3.78M · loan HK$5.66M · min. income ≈ HK$60,582/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,138
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,075
−HK$953/mo
Today · 4.125%
HK$32,028
baseline
▲ 0.50% · 4.625%
HK$33,977
+HK$1,949/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,056/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,528
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,427
−HK$913/mo
Today · 4.125%
HK$35,340
baseline
▲ 0.50% · 4.625%
HK$37,202
+HK$1,862/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,680/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,749
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,954
−HK$1,225/mo
Today · 4.125%
HK$41,179
baseline
▲ 0.50% · 4.625%
HK$43,684
+HK$2,505/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$82,358/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,108
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,264
−HK$1,173/mo
Today · 4.125%
HK$45,437
baseline
▲ 0.50% · 4.625%
HK$47,832
+HK$2,395/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$90,874/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,068 · 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).