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$21,642
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,315
−HK$684/mo
Today · 4.125%
HK$22,999
baseline
▲ 0.50% · 4.625%
HK$24,398
+HK$1,399/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$45,998/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$319,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,076
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,722
−HK$655/mo
Today · 4.125%
HK$25,377
baseline
▲ 0.50% · 4.625%
HK$26,714
+HK$1,337/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,754/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$319,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,970
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,778
−HK$820/mo
Today · 4.125%
HK$27,598
baseline
▲ 0.50% · 4.625%
HK$29,278
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$55,196/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,891
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,666
−HK$786/mo
Today · 4.125%
HK$30,452
baseline
▲ 0.50% · 4.625%
HK$32,057
+HK$1,605/mo
Deposit HK$3.80M · loan HK$5.69M · min. income ≈ HK$60,904/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,298
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,241
−HK$957/mo
Today · 4.125%
HK$32,198
baseline
▲ 0.50% · 4.625%
HK$34,157
+HK$1,959/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$64,396/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,706
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,610
−HK$917/mo
Today · 4.125%
HK$35,527
baseline
▲ 0.50% · 4.625%
HK$37,400
+HK$1,873/mo
Deposit HK$2.85M · loan HK$6.64M · min. income ≈ HK$71,054/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,955
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,166
−HK$1,232/mo
Today · 4.125%
HK$41,398
baseline
▲ 0.50% · 4.625%
HK$43,916
+HK$2,518/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,796/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,337
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,499
−HK$1,179/mo
Today · 4.125%
HK$45,678
baseline
▲ 0.50% · 4.625%
HK$48,086
+HK$2,408/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,356/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,083 · 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).