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$21,513
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,182
−HK$680/mo
Today · 4.125%
HK$22,862
baseline
▲ 0.50% · 4.625%
HK$24,253
+HK$1,391/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,724/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,933
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,575
−HK$651/mo
Today · 4.125%
HK$25,226
baseline
▲ 0.50% · 4.625%
HK$26,556
+HK$1,330/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,452/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,816
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,619
−HK$815/mo
Today · 4.125%
HK$27,434
baseline
▲ 0.50% · 4.625%
HK$29,104
+HK$1,670/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,868/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,720
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,490
−HK$781/mo
Today · 4.125%
HK$30,271
baseline
▲ 0.50% · 4.625%
HK$31,867
+HK$1,596/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,542/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,118
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,055
−HK$952/mo
Today · 4.125%
HK$32,007
baseline
▲ 0.50% · 4.625%
HK$33,954
+HK$1,947/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$64,014/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,506
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,405
−HK$911/mo
Today · 4.125%
HK$35,316
baseline
▲ 0.50% · 4.625%
HK$37,178
+HK$1,862/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,632/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,723
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,928
−HK$1,224/mo
Today · 4.125%
HK$41,152
baseline
▲ 0.50% · 4.625%
HK$43,656
+HK$2,504/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$82,304/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,079
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,235
−HK$1,172/mo
Today · 4.125%
HK$45,407
baseline
▲ 0.50% · 4.625%
HK$47,800
+HK$2,393/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$90,814/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,447 · 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).