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$21,509
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,178
−HK$680/mo
Today · 4.125%
HK$22,858
baseline
▲ 0.50% · 4.625%
HK$24,249
+HK$1,391/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,716/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,929
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,571
−HK$651/mo
Today · 4.125%
HK$25,222
baseline
▲ 0.50% · 4.625%
HK$26,551
+HK$1,329/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,444/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,811
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,614
−HK$816/mo
Today · 4.125%
HK$27,430
baseline
▲ 0.50% · 4.625%
HK$29,099
+HK$1,669/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,860/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,715
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,485
−HK$781/mo
Today · 4.125%
HK$30,266
baseline
▲ 0.50% · 4.625%
HK$31,861
+HK$1,595/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,532/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,113
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,050
−HK$951/mo
Today · 4.125%
HK$32,001
baseline
▲ 0.50% · 4.625%
HK$33,948
+HK$1,947/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$64,002/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,500
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,399
−HK$911/mo
Today · 4.125%
HK$35,310
baseline
▲ 0.50% · 4.625%
HK$37,172
+HK$1,862/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,620/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,717
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,921
−HK$1,224/mo
Today · 4.125%
HK$41,145
baseline
▲ 0.50% · 4.625%
HK$43,648
+HK$2,503/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$82,290/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,072
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,227
−HK$1,172/mo
Today · 4.125%
HK$45,399
baseline
▲ 0.50% · 4.625%
HK$47,792
+HK$2,393/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$90,798/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,282 · 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).