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$21,515
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,184
−HK$680/mo
Today · 4.125%
HK$22,864
baseline
▲ 0.50% · 4.625%
HK$24,255
+HK$1,391/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,728/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,935
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,577
−HK$651/mo
Today · 4.125%
HK$25,228
baseline
▲ 0.50% · 4.625%
HK$26,558
+HK$1,330/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,456/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,818
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,621
−HK$816/mo
Today · 4.125%
HK$27,437
baseline
▲ 0.50% · 4.625%
HK$29,107
+HK$1,670/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,874/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,722
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,493
−HK$781/mo
Today · 4.125%
HK$30,274
baseline
▲ 0.50% · 4.625%
HK$31,870
+HK$1,596/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,548/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,121
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,058
−HK$952/mo
Today · 4.125%
HK$32,010
baseline
▲ 0.50% · 4.625%
HK$33,958
+HK$1,948/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$64,020/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,509
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,408
−HK$912/mo
Today · 4.125%
HK$35,320
baseline
▲ 0.50% · 4.625%
HK$37,182
+HK$1,862/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,640/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,727
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,932
−HK$1,224/mo
Today · 4.125%
HK$41,156
baseline
▲ 0.50% · 4.625%
HK$43,660
+HK$2,504/mo
Deposit HK$944K · loan HK$8.49M · min. income ≈ HK$82,312/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,083
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,239
−HK$1,172/mo
Today · 4.125%
HK$45,411
baseline
▲ 0.50% · 4.625%
HK$47,805
+HK$2,394/mo
Deposit HK$944K · loan HK$8.49M · min. income ≈ HK$90,822/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,536 · 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).