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$21,681
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,356
−HK$685/mo
Today · 4.125%
HK$23,041
baseline
▲ 0.50% · 4.625%
HK$24,443
+HK$1,402/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,082/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,120
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,767
−HK$656/mo
Today · 4.125%
HK$25,423
baseline
▲ 0.50% · 4.625%
HK$26,764
+HK$1,341/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,846/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,018
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,827
−HK$822/mo
Today · 4.125%
HK$27,649
baseline
▲ 0.50% · 4.625%
HK$29,332
+HK$1,683/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,298/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,944
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,721
−HK$787/mo
Today · 4.125%
HK$30,508
baseline
▲ 0.50% · 4.625%
HK$32,116
+HK$1,608/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$61,016/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,354
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,298
−HK$959/mo
Today · 4.125%
HK$32,257
baseline
▲ 0.50% · 4.625%
HK$34,220
+HK$1,963/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,514/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,768
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,674
−HK$919/mo
Today · 4.125%
HK$35,593
baseline
▲ 0.50% · 4.625%
HK$37,469
+HK$1,876/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,186/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,027
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,240
−HK$1,234/mo
Today · 4.125%
HK$41,474
baseline
▲ 0.50% · 4.625%
HK$43,997
+HK$2,523/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,948/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,417
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,581
−HK$1,181/mo
Today · 4.125%
HK$45,762
baseline
▲ 0.50% · 4.625%
HK$48,174
+HK$2,412/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,524/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,832 · 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).