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$21,542
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,212
−HK$681/mo
Today · 4.125%
HK$22,893
baseline
▲ 0.50% · 4.625%
HK$24,285
+HK$1,392/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,786/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,965
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,608
−HK$652/mo
Today · 4.125%
HK$25,260
baseline
▲ 0.50% · 4.625%
HK$26,591
+HK$1,331/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,520/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,850
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,654
−HK$817/mo
Today · 4.125%
HK$27,471
baseline
▲ 0.50% · 4.625%
HK$29,143
+HK$1,672/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,942/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,758
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,529
−HK$783/mo
Today · 4.125%
HK$30,312
baseline
▲ 0.50% · 4.625%
HK$31,909
+HK$1,597/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,624/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,158
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,096
−HK$954/mo
Today · 4.125%
HK$32,050
baseline
▲ 0.50% · 4.625%
HK$34,000
+HK$1,950/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,100/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,551
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,451
−HK$913/mo
Today · 4.125%
HK$35,364
baseline
▲ 0.50% · 4.625%
HK$37,228
+HK$1,864/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,728/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,775
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,981
−HK$1,226/mo
Today · 4.125%
HK$41,207
baseline
▲ 0.50% · 4.625%
HK$43,714
+HK$2,507/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$82,414/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,137
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,294
−HK$1,173/mo
Today · 4.125%
HK$45,467
baseline
▲ 0.50% · 4.625%
HK$47,864
+HK$2,397/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$90,934/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,705 · 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).