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$1,359/mo
▼ 0.25% · 3.875%
HK$22,355
−HK$685/mo
Today · 4.125%
HK$23,040
baseline
▲ 0.50% · 4.625%
HK$24,442
+HK$1,402/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,080/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,119
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,766
−HK$656/mo
Today · 4.125%
HK$25,422
baseline
▲ 0.50% · 4.625%
HK$26,763
+HK$1,341/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,844/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,017
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,826
−HK$822/mo
Today · 4.125%
HK$27,648
baseline
▲ 0.50% · 4.625%
HK$29,330
+HK$1,682/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,296/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,943
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,720
−HK$787/mo
Today · 4.125%
HK$30,507
baseline
▲ 0.50% · 4.625%
HK$32,115
+HK$1,608/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$61,014/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,353
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,297
−HK$959/mo
Today · 4.125%
HK$32,256
baseline
▲ 0.50% · 4.625%
HK$34,219
+HK$1,963/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,512/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,767
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,673
−HK$918/mo
Today · 4.125%
HK$35,591
baseline
▲ 0.50% · 4.625%
HK$37,468
+HK$1,877/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,182/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,025
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,239
−HK$1,233/mo
Today · 4.125%
HK$41,472
baseline
▲ 0.50% · 4.625%
HK$43,996
+HK$2,524/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,944/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,415
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,579
−HK$1,181/mo
Today · 4.125%
HK$45,760
baseline
▲ 0.50% · 4.625%
HK$48,173
+HK$2,413/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,520/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,795 · 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).