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$21,518
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,187
−HK$680/mo
Today · 4.125%
HK$22,867
baseline
▲ 0.50% · 4.625%
HK$24,259
+HK$1,392/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,734/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,939
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,581
−HK$651/mo
Today · 4.125%
HK$25,232
baseline
▲ 0.50% · 4.625%
HK$26,562
+HK$1,330/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,464/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,822
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,625
−HK$816/mo
Today · 4.125%
HK$27,441
baseline
▲ 0.50% · 4.625%
HK$29,111
+HK$1,670/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,882/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,726
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,497
−HK$781/mo
Today · 4.125%
HK$30,278
baseline
▲ 0.50% · 4.625%
HK$31,874
+HK$1,596/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,556/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,125
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,062
−HK$952/mo
Today · 4.125%
HK$32,014
baseline
▲ 0.50% · 4.625%
HK$33,962
+HK$1,948/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,028/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,514
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,413
−HK$912/mo
Today · 4.125%
HK$35,325
baseline
▲ 0.50% · 4.625%
HK$37,187
+HK$1,862/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,650/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,732
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,937
−HK$1,224/mo
Today · 4.125%
HK$41,161
baseline
▲ 0.50% · 4.625%
HK$43,666
+HK$2,505/mo
Deposit HK$944K · loan HK$8.49M · min. income ≈ HK$82,322/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,089
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,245
−HK$1,172/mo
Today · 4.125%
HK$45,417
baseline
▲ 0.50% · 4.625%
HK$47,811
+HK$2,394/mo
Deposit HK$944K · loan HK$8.49M · min. income ≈ HK$90,834/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,668 · 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).