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$21,670
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,344
−HK$685/mo
Today · 4.125%
HK$23,029
baseline
▲ 0.50% · 4.625%
HK$24,430
+HK$1,401/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,058/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,108
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,754
−HK$656/mo
Today · 4.125%
HK$25,410
baseline
▲ 0.50% · 4.625%
HK$26,750
+HK$1,340/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,820/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,004
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,813
−HK$822/mo
Today · 4.125%
HK$27,635
baseline
▲ 0.50% · 4.625%
HK$29,316
+HK$1,681/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,270/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,929
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,705
−HK$787/mo
Today · 4.125%
HK$30,492
baseline
▲ 0.50% · 4.625%
HK$32,100
+HK$1,608/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,984/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,338
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,282
−HK$959/mo
Today · 4.125%
HK$32,241
baseline
▲ 0.50% · 4.625%
HK$34,202
+HK$1,961/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,482/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,751
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,656
−HK$918/mo
Today · 4.125%
HK$35,574
baseline
▲ 0.50% · 4.625%
HK$37,450
+HK$1,876/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,148/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,006
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,220
−HK$1,232/mo
Today · 4.125%
HK$41,452
baseline
▲ 0.50% · 4.625%
HK$43,975
+HK$2,523/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,904/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,394
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,558
−HK$1,181/mo
Today · 4.125%
HK$45,739
baseline
▲ 0.50% · 4.625%
HK$48,150
+HK$2,411/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,478/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,340 · 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).