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$21,510
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,179
−HK$680/mo
Today · 4.125%
HK$22,859
baseline
▲ 0.50% · 4.625%
HK$24,250
+HK$1,391/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,718/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,929
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,571
−HK$651/mo
Today · 4.125%
HK$25,222
baseline
▲ 0.50% · 4.625%
HK$26,552
+HK$1,330/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,444/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,812
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,615
−HK$815/mo
Today · 4.125%
HK$27,430
baseline
▲ 0.50% · 4.625%
HK$29,100
+HK$1,670/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,860/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,715
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,486
−HK$781/mo
Today · 4.125%
HK$30,267
baseline
▲ 0.50% · 4.625%
HK$31,862
+HK$1,595/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,534/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,114
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,050
−HK$952/mo
Today · 4.125%
HK$32,002
baseline
▲ 0.50% · 4.625%
HK$33,949
+HK$1,947/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$64,004/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,501
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,400
−HK$911/mo
Today · 4.125%
HK$35,311
baseline
▲ 0.50% · 4.625%
HK$37,173
+HK$1,862/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,622/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,718
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,922
−HK$1,224/mo
Today · 4.125%
HK$41,146
baseline
▲ 0.50% · 4.625%
HK$43,649
+HK$2,503/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$82,292/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,073
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,228
−HK$1,172/mo
Today · 4.125%
HK$45,400
baseline
▲ 0.50% · 4.625%
HK$47,793
+HK$2,393/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$90,800/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,309 · 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).