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$21,664
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,338
−HK$685/mo
Today · 4.125%
HK$23,023
baseline
▲ 0.50% · 4.625%
HK$24,423
+HK$1,400/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,046/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,101
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,747
−HK$656/mo
Today · 4.125%
HK$25,403
baseline
▲ 0.50% · 4.625%
HK$26,742
+HK$1,339/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,806/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,997
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,806
−HK$821/mo
Today · 4.125%
HK$27,627
baseline
▲ 0.50% · 4.625%
HK$29,308
+HK$1,681/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,254/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,921
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,697
−HK$787/mo
Today · 4.125%
HK$30,484
baseline
▲ 0.50% · 4.625%
HK$32,091
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,968/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,330
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,273
−HK$959/mo
Today · 4.125%
HK$32,232
baseline
▲ 0.50% · 4.625%
HK$34,193
+HK$1,961/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,464/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,741
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,646
−HK$918/mo
Today · 4.125%
HK$35,564
baseline
▲ 0.50% · 4.625%
HK$37,439
+HK$1,875/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,128/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,995
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,208
−HK$1,233/mo
Today · 4.125%
HK$41,441
baseline
▲ 0.50% · 4.625%
HK$43,962
+HK$2,521/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,882/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,382
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,545
−HK$1,181/mo
Today · 4.125%
HK$45,726
baseline
▲ 0.50% · 4.625%
HK$48,136
+HK$2,410/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,452/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,072 · 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).