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$21,506
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,175
−HK$680/mo
Today · 4.125%
HK$22,855
baseline
▲ 0.50% · 4.625%
HK$24,246
+HK$1,391/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,710/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,926
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,567
−HK$651/mo
Today · 4.125%
HK$25,218
baseline
▲ 0.50% · 4.625%
HK$26,548
+HK$1,330/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,436/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,808
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,611
−HK$815/mo
Today · 4.125%
HK$27,426
baseline
▲ 0.50% · 4.625%
HK$29,095
+HK$1,669/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,852/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,711
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,481
−HK$781/mo
Today · 4.125%
HK$30,262
baseline
▲ 0.50% · 4.625%
HK$31,857
+HK$1,595/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,524/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,109
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,046
−HK$951/mo
Today · 4.125%
HK$31,997
baseline
▲ 0.50% · 4.625%
HK$33,944
+HK$1,947/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,994/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,496
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,394
−HK$912/mo
Today · 4.125%
HK$35,306
baseline
▲ 0.50% · 4.625%
HK$37,167
+HK$1,861/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,612/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,712
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,916
−HK$1,223/mo
Today · 4.125%
HK$41,139
baseline
▲ 0.50% · 4.625%
HK$43,642
+HK$2,503/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$82,278/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,066
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,221
−HK$1,172/mo
Today · 4.125%
HK$45,393
baseline
▲ 0.50% · 4.625%
HK$47,786
+HK$2,393/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$90,786/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,160 · 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).