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$21,656
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,330
−HK$684/mo
Today · 4.125%
HK$23,014
baseline
▲ 0.50% · 4.625%
HK$24,415
+HK$1,401/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,028/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,092
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,738
−HK$656/mo
Today · 4.125%
HK$25,394
baseline
▲ 0.50% · 4.625%
HK$26,733
+HK$1,339/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,788/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,987
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,796
−HK$821/mo
Today · 4.125%
HK$27,617
baseline
▲ 0.50% · 4.625%
HK$29,298
+HK$1,681/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,234/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,911
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,686
−HK$787/mo
Today · 4.125%
HK$30,473
baseline
▲ 0.50% · 4.625%
HK$32,079
+HK$1,606/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,946/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,319
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,262
−HK$958/mo
Today · 4.125%
HK$32,220
baseline
▲ 0.50% · 4.625%
HK$34,180
+HK$1,960/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,440/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,729
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,634
−HK$918/mo
Today · 4.125%
HK$35,552
baseline
▲ 0.50% · 4.625%
HK$37,426
+HK$1,874/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,104/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,981
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,194
−HK$1,232/mo
Today · 4.125%
HK$41,426
baseline
▲ 0.50% · 4.625%
HK$43,946
+HK$2,520/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,852/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,366
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,529
−HK$1,180/mo
Today · 4.125%
HK$45,709
baseline
▲ 0.50% · 4.625%
HK$48,119
+HK$2,410/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,418/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,728 · 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).