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$21,668
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,342
−HK$685/mo
Today · 4.125%
HK$23,027
baseline
▲ 0.50% · 4.625%
HK$24,428
+HK$1,401/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,054/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,106
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,752
−HK$656/mo
Today · 4.125%
HK$25,408
baseline
▲ 0.50% · 4.625%
HK$26,748
+HK$1,340/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,816/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,002
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,811
−HK$822/mo
Today · 4.125%
HK$27,633
baseline
▲ 0.50% · 4.625%
HK$29,314
+HK$1,681/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,266/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,927
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,703
−HK$787/mo
Today · 4.125%
HK$30,490
baseline
▲ 0.50% · 4.625%
HK$32,097
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,980/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,336
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,279
−HK$959/mo
Today · 4.125%
HK$32,238
baseline
▲ 0.50% · 4.625%
HK$34,200
+HK$1,962/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,476/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,748
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,653
−HK$919/mo
Today · 4.125%
HK$35,572
baseline
▲ 0.50% · 4.625%
HK$37,447
+HK$1,875/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,144/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,003
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,216
−HK$1,233/mo
Today · 4.125%
HK$41,449
baseline
▲ 0.50% · 4.625%
HK$43,971
+HK$2,522/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,898/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,391
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,554
−HK$1,181/mo
Today · 4.125%
HK$45,735
baseline
▲ 0.50% · 4.625%
HK$48,146
+HK$2,411/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,470/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,263 · 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).