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$21,507
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,176
−HK$680/mo
Today · 4.125%
HK$22,856
baseline
▲ 0.50% · 4.625%
HK$24,247
+HK$1,391/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,712/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,927
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,568
−HK$651/mo
Today · 4.125%
HK$25,219
baseline
▲ 0.50% · 4.625%
HK$26,549
+HK$1,330/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,438/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,809
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,611
−HK$816/mo
Today · 4.125%
HK$27,427
baseline
▲ 0.50% · 4.625%
HK$29,096
+HK$1,669/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,854/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,712
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,482
−HK$781/mo
Today · 4.125%
HK$30,263
baseline
▲ 0.50% · 4.625%
HK$31,858
+HK$1,595/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,526/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,110
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,047
−HK$951/mo
Today · 4.125%
HK$31,998
baseline
▲ 0.50% · 4.625%
HK$33,945
+HK$1,947/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$63,996/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,497
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,396
−HK$911/mo
Today · 4.125%
HK$35,307
baseline
▲ 0.50% · 4.625%
HK$37,168
+HK$1,861/mo
Deposit HK$2.83M · loan HK$6.60M · min. income ≈ HK$70,614/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,713
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,917
−HK$1,224/mo
Today · 4.125%
HK$41,141
baseline
▲ 0.50% · 4.625%
HK$43,644
+HK$2,503/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$82,282/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,068
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,223
−HK$1,172/mo
Today · 4.125%
HK$45,395
baseline
▲ 0.50% · 4.625%
HK$47,788
+HK$2,393/mo
Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$90,790/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,195 · 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).