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$21,682
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,357
−HK$685/mo
Today · 4.125%
HK$23,042
baseline
▲ 0.50% · 4.625%
HK$24,444
+HK$1,402/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,084/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$320,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,122
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,768
−HK$657/mo
Today · 4.125%
HK$25,425
baseline
▲ 0.50% · 4.625%
HK$26,765
+HK$1,340/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,850/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$320,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,019
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,828
−HK$823/mo
Today · 4.125%
HK$27,651
baseline
▲ 0.50% · 4.625%
HK$29,333
+HK$1,682/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$55,302/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,946
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,722
−HK$788/mo
Today · 4.125%
HK$30,510
baseline
▲ 0.50% · 4.625%
HK$32,118
+HK$1,608/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$61,020/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,355
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,300
−HK$959/mo
Today · 4.125%
HK$32,259
baseline
▲ 0.50% · 4.625%
HK$34,222
+HK$1,963/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,518/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,770
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,676
−HK$919/mo
Today · 4.125%
HK$35,595
baseline
▲ 0.50% · 4.625%
HK$37,471
+HK$1,876/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,190/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,028
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,243
−HK$1,233/mo
Today · 4.125%
HK$41,476
baseline
▲ 0.50% · 4.625%
HK$44,000
+HK$2,524/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,952/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,419
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,583
−HK$1,182/mo
Today · 4.125%
HK$45,765
baseline
▲ 0.50% · 4.625%
HK$48,177
+HK$2,412/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,530/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,880 · 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).