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$21,683
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,358
−HK$685/mo
Today · 4.125%
HK$23,043
baseline
▲ 0.50% · 4.625%
HK$24,445
+HK$1,402/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,086/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$320,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,122
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,769
−HK$657/mo
Today · 4.125%
HK$25,426
baseline
▲ 0.50% · 4.625%
HK$26,766
+HK$1,340/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,852/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$320,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,020
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,829
−HK$823/mo
Today · 4.125%
HK$27,652
baseline
▲ 0.50% · 4.625%
HK$29,334
+HK$1,682/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$55,304/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,947
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,723
−HK$788/mo
Today · 4.125%
HK$30,511
baseline
▲ 0.50% · 4.625%
HK$32,119
+HK$1,608/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$61,022/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,357
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,301
−HK$959/mo
Today · 4.125%
HK$32,260
baseline
▲ 0.50% · 4.625%
HK$34,223
+HK$1,963/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,520/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,771
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,677
−HK$919/mo
Today · 4.125%
HK$35,596
baseline
▲ 0.50% · 4.625%
HK$37,472
+HK$1,876/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,192/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,030
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,244
−HK$1,233/mo
Today · 4.125%
HK$41,477
baseline
▲ 0.50% · 4.625%
HK$44,001
+HK$2,524/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,954/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,420
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,585
−HK$1,181/mo
Today · 4.125%
HK$45,766
baseline
▲ 0.50% · 4.625%
HK$48,179
+HK$2,413/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,532/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,912 · 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).