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$21,651
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,325
−HK$684/mo
Today · 4.125%
HK$23,009
baseline
▲ 0.50% · 4.625%
HK$24,409
+HK$1,400/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,018/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,087
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,733
−HK$655/mo
Today · 4.125%
HK$25,388
baseline
▲ 0.50% · 4.625%
HK$26,726
+HK$1,338/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,776/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,981
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,790
−HK$821/mo
Today · 4.125%
HK$27,611
baseline
▲ 0.50% · 4.625%
HK$29,291
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,222/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,904
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,679
−HK$787/mo
Today · 4.125%
HK$30,466
baseline
▲ 0.50% · 4.625%
HK$32,071
+HK$1,605/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,932/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,312
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,254
−HK$958/mo
Today · 4.125%
HK$32,212
baseline
▲ 0.50% · 4.625%
HK$34,172
+HK$1,960/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,424/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,721
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,626
−HK$917/mo
Today · 4.125%
HK$35,543
baseline
▲ 0.50% · 4.625%
HK$37,417
+HK$1,874/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,086/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,972
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,184
−HK$1,232/mo
Today · 4.125%
HK$41,416
baseline
▲ 0.50% · 4.625%
HK$43,936
+HK$2,520/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,832/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,356
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,519
−HK$1,179/mo
Today · 4.125%
HK$45,698
baseline
▲ 0.50% · 4.625%
HK$48,107
+HK$2,409/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,396/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,505 · 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).