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$21,524
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,193
−HK$681/mo
Today · 4.125%
HK$22,874
baseline
▲ 0.50% · 4.625%
HK$24,265
+HK$1,391/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,748/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,945
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,587
−HK$652/mo
Today · 4.125%
HK$25,239
baseline
▲ 0.50% · 4.625%
HK$26,569
+HK$1,330/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,478/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,829
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,632
−HK$816/mo
Today · 4.125%
HK$27,448
baseline
▲ 0.50% · 4.625%
HK$29,118
+HK$1,670/mo
Deposit HK$3.78M · loan HK$5.66M · min. income ≈ HK$54,896/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,734
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,505
−HK$781/mo
Today · 4.125%
HK$30,286
baseline
▲ 0.50% · 4.625%
HK$31,883
+HK$1,597/mo
Deposit HK$3.78M · loan HK$5.66M · min. income ≈ HK$60,572/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,133
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,071
−HK$952/mo
Today · 4.125%
HK$32,023
baseline
▲ 0.50% · 4.625%
HK$33,972
+HK$1,949/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,046/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$313,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,523
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,422
−HK$912/mo
Today · 4.125%
HK$35,334
baseline
▲ 0.50% · 4.625%
HK$37,197
+HK$1,863/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,668/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$313,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,743
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,948
−HK$1,224/mo
Today · 4.125%
HK$41,172
baseline
▲ 0.50% · 4.625%
HK$43,678
+HK$2,506/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$82,344/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,101
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,257
−HK$1,173/mo
Today · 4.125%
HK$45,430
baseline
▲ 0.50% · 4.625%
HK$47,824
+HK$2,394/mo
Deposit HK$944K · loan HK$8.50M · min. income ≈ HK$90,860/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,923 · 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).