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$21,533
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,203
−HK$680/mo
Today · 4.125%
HK$22,883
baseline
▲ 0.50% · 4.625%
HK$24,275
+HK$1,392/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,766/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,955
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,597
−HK$652/mo
Today · 4.125%
HK$25,249
baseline
▲ 0.50% · 4.625%
HK$26,580
+HK$1,331/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,498/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,839
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,643
−HK$817/mo
Today · 4.125%
HK$27,460
baseline
▲ 0.50% · 4.625%
HK$29,130
+HK$1,670/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,920/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,746
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,517
−HK$782/mo
Today · 4.125%
HK$30,299
baseline
▲ 0.50% · 4.625%
HK$31,896
+HK$1,597/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,598/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,146
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,084
−HK$952/mo
Today · 4.125%
HK$32,036
baseline
▲ 0.50% · 4.625%
HK$33,986
+HK$1,950/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,072/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,537
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,436
−HK$913/mo
Today · 4.125%
HK$35,349
baseline
▲ 0.50% · 4.625%
HK$37,212
+HK$1,863/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,698/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,759
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,965
−HK$1,224/mo
Today · 4.125%
HK$41,189
baseline
▲ 0.50% · 4.625%
HK$43,696
+HK$2,507/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$82,378/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,119
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,275
−HK$1,174/mo
Today · 4.125%
HK$45,449
baseline
▲ 0.50% · 4.625%
HK$47,844
+HK$2,395/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$90,898/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,313 · 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).