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$21,539
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,209
−HK$680/mo
Today · 4.125%
HK$22,889
baseline
▲ 0.50% · 4.625%
HK$24,282
+HK$1,393/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,778/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,962
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,604
−HK$652/mo
Today · 4.125%
HK$25,256
baseline
▲ 0.50% · 4.625%
HK$26,588
+HK$1,332/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,512/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,847
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,651
−HK$816/mo
Today · 4.125%
HK$27,467
baseline
▲ 0.50% · 4.625%
HK$29,139
+HK$1,672/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,934/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,754
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,525
−HK$783/mo
Today · 4.125%
HK$30,308
baseline
▲ 0.50% · 4.625%
HK$31,905
+HK$1,597/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,616/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,154
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,092
−HK$953/mo
Today · 4.125%
HK$32,045
baseline
▲ 0.50% · 4.625%
HK$33,995
+HK$1,950/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,090/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,546
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,446
−HK$913/mo
Today · 4.125%
HK$35,359
baseline
▲ 0.50% · 4.625%
HK$37,223
+HK$1,864/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,718/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,770
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,976
−HK$1,225/mo
Today · 4.125%
HK$41,201
baseline
▲ 0.50% · 4.625%
HK$43,708
+HK$2,507/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$82,402/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,131
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,288
−HK$1,173/mo
Today · 4.125%
HK$45,461
baseline
▲ 0.50% · 4.625%
HK$47,858
+HK$2,397/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$90,922/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,578 · 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).