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$21,545
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,215
−HK$681/mo
Today · 4.125%
HK$22,896
baseline
▲ 0.50% · 4.625%
HK$24,289
+HK$1,393/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,792/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,968
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,611
−HK$652/mo
Today · 4.125%
HK$25,263
baseline
▲ 0.50% · 4.625%
HK$26,595
+HK$1,332/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,526/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,853
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,658
−HK$817/mo
Today · 4.125%
HK$27,475
baseline
▲ 0.50% · 4.625%
HK$29,146
+HK$1,671/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,950/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,762
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,533
−HK$783/mo
Today · 4.125%
HK$30,316
baseline
▲ 0.50% · 4.625%
HK$31,914
+HK$1,598/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,632/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,162
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,101
−HK$953/mo
Today · 4.125%
HK$32,054
baseline
▲ 0.50% · 4.625%
HK$34,004
+HK$1,950/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,108/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,555
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,455
−HK$913/mo
Today · 4.125%
HK$35,368
baseline
▲ 0.50% · 4.625%
HK$37,233
+HK$1,865/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,736/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,780
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,986
−HK$1,226/mo
Today · 4.125%
HK$41,212
baseline
▲ 0.50% · 4.625%
HK$43,720
+HK$2,508/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$82,424/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,143
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,300
−HK$1,173/mo
Today · 4.125%
HK$45,473
baseline
▲ 0.50% · 4.625%
HK$47,870
+HK$2,397/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$90,946/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,830 · 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).