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$21,535
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,205
−HK$680/mo
Today · 4.125%
HK$22,885
baseline
▲ 0.50% · 4.625%
HK$24,278
+HK$1,393/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,770/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,957
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,600
−HK$652/mo
Today · 4.125%
HK$25,252
baseline
▲ 0.50% · 4.625%
HK$26,583
+HK$1,331/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,504/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,842
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,646
−HK$816/mo
Today · 4.125%
HK$27,462
baseline
▲ 0.50% · 4.625%
HK$29,133
+HK$1,671/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,924/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,749
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,520
−HK$782/mo
Today · 4.125%
HK$30,302
baseline
▲ 0.50% · 4.625%
HK$31,899
+HK$1,597/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,604/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,149
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,087
−HK$952/mo
Today · 4.125%
HK$32,039
baseline
▲ 0.50% · 4.625%
HK$33,989
+HK$1,950/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,078/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,540
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,440
−HK$912/mo
Today · 4.125%
HK$35,352
baseline
▲ 0.50% · 4.625%
HK$37,216
+HK$1,864/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,704/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,763
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,968
−HK$1,225/mo
Today · 4.125%
HK$41,193
baseline
▲ 0.50% · 4.625%
HK$43,700
+HK$2,507/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$82,386/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,123
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,280
−HK$1,173/mo
Today · 4.125%
HK$45,453
baseline
▲ 0.50% · 4.625%
HK$47,849
+HK$2,396/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$90,906/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,405 · 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).