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$21,665
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,339
−HK$685/mo
Today · 4.125%
HK$23,024
baseline
▲ 0.50% · 4.625%
HK$24,425
+HK$1,401/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,048/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,102
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,749
−HK$656/mo
Today · 4.125%
HK$25,405
baseline
▲ 0.50% · 4.625%
HK$26,744
+HK$1,339/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,810/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,998
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,807
−HK$822/mo
Today · 4.125%
HK$27,629
baseline
▲ 0.50% · 4.625%
HK$29,310
+HK$1,681/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,258/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,923
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,698
−HK$787/mo
Today · 4.125%
HK$30,485
baseline
▲ 0.50% · 4.625%
HK$32,092
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,970/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,331
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,275
−HK$958/mo
Today · 4.125%
HK$32,233
baseline
▲ 0.50% · 4.625%
HK$34,195
+HK$1,962/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,466/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,743
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,648
−HK$918/mo
Today · 4.125%
HK$35,566
baseline
▲ 0.50% · 4.625%
HK$37,441
+HK$1,875/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,132/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,997
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,210
−HK$1,233/mo
Today · 4.125%
HK$41,443
baseline
▲ 0.50% · 4.625%
HK$43,965
+HK$2,522/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,886/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,384
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,548
−HK$1,180/mo
Today · 4.125%
HK$45,728
baseline
▲ 0.50% · 4.625%
HK$48,138
+HK$2,410/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,456/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,122 · 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).