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$21,546
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,216
−HK$681/mo
Today · 4.125%
HK$22,897
baseline
▲ 0.50% · 4.625%
HK$24,290
+HK$1,393/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,794/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,969
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,612
−HK$652/mo
Today · 4.125%
HK$25,264
baseline
▲ 0.50% · 4.625%
HK$26,596
+HK$1,332/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,528/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$314,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,855
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,659
−HK$817/mo
Today · 4.125%
HK$27,476
baseline
▲ 0.50% · 4.625%
HK$29,148
+HK$1,672/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$54,952/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,763
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,535
−HK$782/mo
Today · 4.125%
HK$30,317
baseline
▲ 0.50% · 4.625%
HK$31,915
+HK$1,598/mo
Deposit HK$3.78M · loan HK$5.67M · min. income ≈ HK$60,634/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$314,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,164
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,102
−HK$954/mo
Today · 4.125%
HK$32,056
baseline
▲ 0.50% · 4.625%
HK$34,006
+HK$1,950/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,112/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,557
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,457
−HK$913/mo
Today · 4.125%
HK$35,370
baseline
▲ 0.50% · 4.625%
HK$37,235
+HK$1,865/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,740/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$314,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,782
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,989
−HK$1,225/mo
Today · 4.125%
HK$41,214
baseline
▲ 0.50% · 4.625%
HK$43,722
+HK$2,508/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$82,428/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,145
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,302
−HK$1,174/mo
Today · 4.125%
HK$45,476
baseline
▲ 0.50% · 4.625%
HK$47,873
+HK$2,397/mo
Deposit HK$945K · loan HK$8.50M · min. income ≈ HK$90,952/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$314,881 · 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).