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$21,668
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,342
−HK$684/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$320,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,105
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,751
−HK$656/mo
Today · 4.125%
HK$25,407
baseline
▲ 0.50% · 4.625%
HK$26,747
+HK$1,340/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,814/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,001
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,810
−HK$822/mo
Today · 4.125%
HK$27,632
baseline
▲ 0.50% · 4.625%
HK$29,313
+HK$1,681/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,264/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,926
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,702
−HK$787/mo
Today · 4.125%
HK$30,489
baseline
▲ 0.50% · 4.625%
HK$32,096
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,978/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,335
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,278
−HK$959/mo
Today · 4.125%
HK$32,237
baseline
▲ 0.50% · 4.625%
HK$34,198
+HK$1,961/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,474/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,747
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,652
−HK$918/mo
Today · 4.125%
HK$35,570
baseline
▲ 0.50% · 4.625%
HK$37,445
+HK$1,875/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,140/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,002
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,215
−HK$1,232/mo
Today · 4.125%
HK$41,447
baseline
▲ 0.50% · 4.625%
HK$43,969
+HK$2,522/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,894/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,389
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,553
−HK$1,180/mo
Today · 4.125%
HK$45,733
baseline
▲ 0.50% · 4.625%
HK$48,144
+HK$2,411/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,466/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,225 · 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).