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$21,535
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,205
−HK$681/mo
Today · 4.125%
HK$22,886
baseline
▲ 0.50% · 4.625%
HK$24,278
+HK$1,392/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,772/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,958
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,600
−HK$652/mo
Today · 4.125%
HK$25,252
baseline
▲ 0.50% · 4.625%
HK$26,583
+HK$1,331/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,504/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,842
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,646
−HK$817/mo
Today · 4.125%
HK$27,463
baseline
▲ 0.50% · 4.625%
HK$29,134
+HK$1,671/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,926/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,749
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,520
−HK$783/mo
Today · 4.125%
HK$30,303
baseline
▲ 0.50% · 4.625%
HK$31,900
+HK$1,597/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,606/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,149
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,087
−HK$953/mo
Today · 4.125%
HK$32,040
baseline
▲ 0.50% · 4.625%
HK$33,990
+HK$1,950/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,080/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,541
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,440
−HK$913/mo
Today · 4.125%
HK$35,353
baseline
▲ 0.50% · 4.625%
HK$37,217
+HK$1,864/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,706/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,764
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,969
−HK$1,225/mo
Today · 4.125%
HK$41,194
baseline
▲ 0.50% · 4.625%
HK$43,701
+HK$2,507/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$82,388/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,124
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,281
−HK$1,173/mo
Today · 4.125%
HK$45,454
baseline
▲ 0.50% · 4.625%
HK$47,850
+HK$2,396/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$90,908/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,425 · 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).