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$21,548
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,218
−HK$681/mo
Today · 4.125%
HK$22,899
baseline
▲ 0.50% · 4.625%
HK$24,292
+HK$1,393/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,798/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,972
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,615
−HK$652/mo
Today · 4.125%
HK$25,267
baseline
▲ 0.50% · 4.625%
HK$26,599
+HK$1,332/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,534/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,857
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,662
−HK$817/mo
Today · 4.125%
HK$27,479
baseline
▲ 0.50% · 4.625%
HK$29,151
+HK$1,672/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,958/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,766
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,537
−HK$783/mo
Today · 4.125%
HK$30,320
baseline
▲ 0.50% · 4.625%
HK$31,918
+HK$1,598/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,640/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,167
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,105
−HK$954/mo
Today · 4.125%
HK$32,059
baseline
▲ 0.50% · 4.625%
HK$34,009
+HK$1,950/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,118/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,560
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,460
−HK$913/mo
Today · 4.125%
HK$35,373
baseline
▲ 0.50% · 4.625%
HK$37,238
+HK$1,865/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,746/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,786
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,992
−HK$1,226/mo
Today · 4.125%
HK$41,218
baseline
▲ 0.50% · 4.625%
HK$43,726
+HK$2,508/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$82,436/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,149
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,306
−HK$1,174/mo
Today · 4.125%
HK$45,480
baseline
▲ 0.50% · 4.625%
HK$47,878
+HK$2,398/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$90,960/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,971 · 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).