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$21,522
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,192
−HK$680/mo
Today · 4.125%
HK$22,872
baseline
▲ 0.50% · 4.625%
HK$24,264
+HK$1,392/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,744/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,943
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,586
−HK$651/mo
Today · 4.125%
HK$25,237
baseline
▲ 0.50% · 4.625%
HK$26,567
+HK$1,330/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,474/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,827
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,630
−HK$816/mo
Today · 4.125%
HK$27,446
baseline
▲ 0.50% · 4.625%
HK$29,117
+HK$1,671/mo
Deposit HK$3.78M · loan HK$5.66M · min. income ≈ HK$54,892/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,732
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,503
−HK$781/mo
Today · 4.125%
HK$30,284
baseline
▲ 0.50% · 4.625%
HK$31,881
+HK$1,597/mo
Deposit HK$3.78M · loan HK$5.66M · min. income ≈ HK$60,568/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,131
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,069
−HK$952/mo
Today · 4.125%
HK$32,021
baseline
▲ 0.50% · 4.625%
HK$33,969
+HK$1,948/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,042/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$313,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,521
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,420
−HK$912/mo
Today · 4.125%
HK$35,332
baseline
▲ 0.50% · 4.625%
HK$37,194
+HK$1,862/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,664/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$313,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,740
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,945
−HK$1,225/mo
Today · 4.125%
HK$41,170
baseline
▲ 0.50% · 4.625%
HK$43,675
+HK$2,505/mo
Deposit HK$944K · loan HK$8.49M · min. income ≈ HK$82,340/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,098
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,254
−HK$1,173/mo
Today · 4.125%
HK$45,427
baseline
▲ 0.50% · 4.625%
HK$47,821
+HK$2,394/mo
Deposit HK$944K · loan HK$8.49M · min. income ≈ HK$90,854/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,860 · 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).