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$21,530
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,200
−HK$680/mo
Today · 4.125%
HK$22,880
baseline
▲ 0.50% · 4.625%
HK$24,273
+HK$1,393/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,760/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,952
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,595
−HK$651/mo
Today · 4.125%
HK$25,246
baseline
▲ 0.50% · 4.625%
HK$26,577
+HK$1,331/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,492/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,836
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,640
−HK$816/mo
Today · 4.125%
HK$27,456
baseline
▲ 0.50% · 4.625%
HK$29,127
+HK$1,671/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,912/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,743
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,514
−HK$782/mo
Today · 4.125%
HK$30,296
baseline
▲ 0.50% · 4.625%
HK$31,892
+HK$1,596/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,592/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,142
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,080
−HK$953/mo
Today · 4.125%
HK$32,033
baseline
▲ 0.50% · 4.625%
HK$33,982
+HK$1,949/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,066/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,533
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,432
−HK$913/mo
Today · 4.125%
HK$35,345
baseline
▲ 0.50% · 4.625%
HK$37,208
+HK$1,863/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,690/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,754
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,960
−HK$1,225/mo
Today · 4.125%
HK$41,185
baseline
▲ 0.50% · 4.625%
HK$43,691
+HK$2,506/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$82,370/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,114
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,270
−HK$1,173/mo
Today · 4.125%
HK$45,443
baseline
▲ 0.50% · 4.625%
HK$47,839
+HK$2,396/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$90,886/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,204 · 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).