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$21,536
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,206
−HK$680/mo
Today · 4.125%
HK$22,886
baseline
▲ 0.50% · 4.625%
HK$24,279
+HK$1,393/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,772/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,959
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,601
−HK$652/mo
Today · 4.125%
HK$25,253
baseline
▲ 0.50% · 4.625%
HK$26,584
+HK$1,331/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,506/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,843
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,647
−HK$817/mo
Today · 4.125%
HK$27,464
baseline
▲ 0.50% · 4.625%
HK$29,135
+HK$1,671/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,928/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,750
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,521
−HK$783/mo
Today · 4.125%
HK$30,304
baseline
▲ 0.50% · 4.625%
HK$31,901
+HK$1,597/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,608/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,150
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,088
−HK$953/mo
Today · 4.125%
HK$32,041
baseline
▲ 0.50% · 4.625%
HK$33,991
+HK$1,950/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,082/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,542
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,442
−HK$912/mo
Today · 4.125%
HK$35,354
baseline
▲ 0.50% · 4.625%
HK$37,218
+HK$1,864/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,708/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,765
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,971
−HK$1,225/mo
Today · 4.125%
HK$41,196
baseline
▲ 0.50% · 4.625%
HK$43,702
+HK$2,506/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$82,392/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,125
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,282
−HK$1,173/mo
Today · 4.125%
HK$45,455
baseline
▲ 0.50% · 4.625%
HK$47,851
+HK$2,396/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$90,910/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,454 · 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).