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$21,661
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,335
−HK$685/mo
Today · 4.125%
HK$23,020
baseline
▲ 0.50% · 4.625%
HK$24,420
+HK$1,400/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,040/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,098
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,744
−HK$656/mo
Today · 4.125%
HK$25,400
baseline
▲ 0.50% · 4.625%
HK$26,739
+HK$1,339/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,800/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,994
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,802
−HK$822/mo
Today · 4.125%
HK$27,624
baseline
▲ 0.50% · 4.625%
HK$29,304
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,248/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,918
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,693
−HK$787/mo
Today · 4.125%
HK$30,480
baseline
▲ 0.50% · 4.625%
HK$32,086
+HK$1,606/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,960/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,326
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,269
−HK$958/mo
Today · 4.125%
HK$32,227
baseline
▲ 0.50% · 4.625%
HK$34,188
+HK$1,961/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,454/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,737
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,642
−HK$918/mo
Today · 4.125%
HK$35,560
baseline
▲ 0.50% · 4.625%
HK$37,434
+HK$1,874/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,120/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,990
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,203
−HK$1,232/mo
Today · 4.125%
HK$41,435
baseline
▲ 0.50% · 4.625%
HK$43,957
+HK$2,522/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,870/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,376
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,540
−HK$1,180/mo
Today · 4.125%
HK$45,720
baseline
▲ 0.50% · 4.625%
HK$48,130
+HK$2,410/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,440/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,949 · 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).