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$21,516
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,185
−HK$680/mo
Today · 4.125%
HK$22,865
baseline
▲ 0.50% · 4.625%
HK$24,256
+HK$1,391/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,730/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,936
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,578
−HK$651/mo
Today · 4.125%
HK$25,229
baseline
▲ 0.50% · 4.625%
HK$26,559
+HK$1,330/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,458/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,819
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,622
−HK$816/mo
Today · 4.125%
HK$27,438
baseline
▲ 0.50% · 4.625%
HK$29,108
+HK$1,670/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,876/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,723
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,494
−HK$781/mo
Today · 4.125%
HK$30,275
baseline
▲ 0.50% · 4.625%
HK$31,871
+HK$1,596/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,550/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,122
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,059
−HK$952/mo
Today · 4.125%
HK$32,011
baseline
▲ 0.50% · 4.625%
HK$33,959
+HK$1,948/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,022/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,511
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,409
−HK$912/mo
Today · 4.125%
HK$35,321
baseline
▲ 0.50% · 4.625%
HK$37,183
+HK$1,862/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,642/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,729
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,933
−HK$1,224/mo
Today · 4.125%
HK$41,157
baseline
▲ 0.50% · 4.625%
HK$43,662
+HK$2,505/mo
Deposit HK$944K · loan HK$8.49M · min. income ≈ HK$82,314/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,085
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,241
−HK$1,172/mo
Today · 4.125%
HK$45,413
baseline
▲ 0.50% · 4.625%
HK$47,807
+HK$2,394/mo
Deposit HK$944K · loan HK$8.49M · min. income ≈ HK$90,826/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,574 · 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).