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$21,541
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,211
−HK$680/mo
Today · 4.125%
HK$22,891
baseline
▲ 0.50% · 4.625%
HK$24,284
+HK$1,393/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,782/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,964
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,606
−HK$652/mo
Today · 4.125%
HK$25,258
baseline
▲ 0.50% · 4.625%
HK$26,590
+HK$1,332/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,516/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,849
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,653
−HK$817/mo
Today · 4.125%
HK$27,470
baseline
▲ 0.50% · 4.625%
HK$29,141
+HK$1,671/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,940/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,756
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,528
−HK$782/mo
Today · 4.125%
HK$30,310
baseline
▲ 0.50% · 4.625%
HK$31,908
+HK$1,598/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,620/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,157
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,095
−HK$953/mo
Today · 4.125%
HK$32,048
baseline
▲ 0.50% · 4.625%
HK$33,998
+HK$1,950/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,096/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,549
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,449
−HK$913/mo
Today · 4.125%
HK$35,362
baseline
▲ 0.50% · 4.625%
HK$37,226
+HK$1,864/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,724/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,773
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,979
−HK$1,225/mo
Today · 4.125%
HK$41,204
baseline
▲ 0.50% · 4.625%
HK$43,712
+HK$2,508/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$82,408/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,135
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,291
−HK$1,174/mo
Today · 4.125%
HK$45,465
baseline
▲ 0.50% · 4.625%
HK$47,861
+HK$2,396/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$90,930/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,654 · 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).