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$21,510
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,180
−HK$679/mo
Today · 4.125%
HK$22,859
baseline
▲ 0.50% · 4.625%
HK$24,250
+HK$1,391/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,718/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,930
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,572
−HK$651/mo
Today · 4.125%
HK$25,223
baseline
▲ 0.50% · 4.625%
HK$26,553
+HK$1,330/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,446/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,813
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,615
−HK$816/mo
Today · 4.125%
HK$27,431
baseline
▲ 0.50% · 4.625%
HK$29,100
+HK$1,669/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,862/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,716
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,486
−HK$782/mo
Today · 4.125%
HK$30,268
baseline
▲ 0.50% · 4.625%
HK$31,863
+HK$1,595/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,536/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,115
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,051
−HK$952/mo
Today · 4.125%
HK$32,003
baseline
▲ 0.50% · 4.625%
HK$33,950
+HK$1,947/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$64,006/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,502
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,401
−HK$911/mo
Today · 4.125%
HK$35,312
baseline
▲ 0.50% · 4.625%
HK$37,174
+HK$1,862/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,624/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,719
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,923
−HK$1,224/mo
Today · 4.125%
HK$41,147
baseline
▲ 0.50% · 4.625%
HK$43,651
+HK$2,504/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$82,294/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,074
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,230
−HK$1,171/mo
Today · 4.125%
HK$45,401
baseline
▲ 0.50% · 4.625%
HK$47,795
+HK$2,394/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$90,802/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,336 · 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).