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$21,530
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,199
−HK$681/mo
Today · 4.125%
HK$22,880
baseline
▲ 0.50% · 4.625%
HK$24,272
+HK$1,392/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,760/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,952
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,594
−HK$652/mo
Today · 4.125%
HK$25,246
baseline
▲ 0.50% · 4.625%
HK$26,576
+HK$1,330/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,492/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,836
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,639
−HK$817/mo
Today · 4.125%
HK$27,456
baseline
▲ 0.50% · 4.625%
HK$29,126
+HK$1,670/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,912/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,742
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,513
−HK$782/mo
Today · 4.125%
HK$30,295
baseline
▲ 0.50% · 4.625%
HK$31,892
+HK$1,597/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,590/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,142
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,079
−HK$953/mo
Today · 4.125%
HK$32,032
baseline
▲ 0.50% · 4.625%
HK$33,981
+HK$1,949/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,064/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,532
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,431
−HK$913/mo
Today · 4.125%
HK$35,344
baseline
▲ 0.50% · 4.625%
HK$37,207
+HK$1,863/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,688/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,753
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,959
−HK$1,225/mo
Today · 4.125%
HK$41,184
baseline
▲ 0.50% · 4.625%
HK$43,689
+HK$2,505/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$82,368/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,113
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,269
−HK$1,173/mo
Today · 4.125%
HK$45,442
baseline
▲ 0.50% · 4.625%
HK$47,837
+HK$2,395/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$90,884/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,177 · 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).