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$21,655
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,328
−HK$685/mo
Today · 4.125%
HK$23,013
baseline
▲ 0.50% · 4.625%
HK$24,413
+HK$1,400/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,026/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,091
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,737
−HK$655/mo
Today · 4.125%
HK$25,392
baseline
▲ 0.50% · 4.625%
HK$26,731
+HK$1,339/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,784/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,986
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,794
−HK$821/mo
Today · 4.125%
HK$27,615
baseline
▲ 0.50% · 4.625%
HK$29,295
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,230/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,909
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,684
−HK$786/mo
Today · 4.125%
HK$30,470
baseline
▲ 0.50% · 4.625%
HK$32,077
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,940/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,316
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,259
−HK$959/mo
Today · 4.125%
HK$32,218
baseline
▲ 0.50% · 4.625%
HK$34,178
+HK$1,960/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,436/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,727
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,631
−HK$918/mo
Today · 4.125%
HK$35,549
baseline
▲ 0.50% · 4.625%
HK$37,423
+HK$1,874/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,098/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,978
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,191
−HK$1,232/mo
Today · 4.125%
HK$41,423
baseline
▲ 0.50% · 4.625%
HK$43,943
+HK$2,520/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,846/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,363
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,526
−HK$1,180/mo
Today · 4.125%
HK$45,706
baseline
▲ 0.50% · 4.625%
HK$48,115
+HK$2,409/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,412/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,657 · 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).