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$21,667
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,341
−HK$685/mo
Today · 4.125%
HK$23,026
baseline
▲ 0.50% · 4.625%
HK$24,427
+HK$1,401/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,052/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,104
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,751
−HK$655/mo
Today · 4.125%
HK$25,406
baseline
▲ 0.50% · 4.625%
HK$26,746
+HK$1,340/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,812/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,000
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,809
−HK$822/mo
Today · 4.125%
HK$27,631
baseline
▲ 0.50% · 4.625%
HK$29,312
+HK$1,681/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,262/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,925
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,701
−HK$787/mo
Today · 4.125%
HK$30,488
baseline
▲ 0.50% · 4.625%
HK$32,095
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,976/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,334
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,277
−HK$959/mo
Today · 4.125%
HK$32,236
baseline
▲ 0.50% · 4.625%
HK$34,197
+HK$1,961/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,472/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,746
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,651
−HK$918/mo
Today · 4.125%
HK$35,569
baseline
▲ 0.50% · 4.625%
HK$37,444
+HK$1,875/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,138/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,000
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,213
−HK$1,233/mo
Today · 4.125%
HK$41,446
baseline
▲ 0.50% · 4.625%
HK$43,968
+HK$2,522/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,892/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,387
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,551
−HK$1,181/mo
Today · 4.125%
HK$45,732
baseline
▲ 0.50% · 4.625%
HK$48,142
+HK$2,410/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,464/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,193 · 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).