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$21,684
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,359
−HK$685/mo
Today · 4.125%
HK$23,044
baseline
▲ 0.50% · 4.625%
HK$24,446
+HK$1,402/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,088/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$320,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,123
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,770
−HK$657/mo
Today · 4.125%
HK$25,427
baseline
▲ 0.50% · 4.625%
HK$26,767
+HK$1,340/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,854/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$320,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,021
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,830
−HK$823/mo
Today · 4.125%
HK$27,653
baseline
▲ 0.50% · 4.625%
HK$29,335
+HK$1,682/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$55,306/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,948
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,725
−HK$787/mo
Today · 4.125%
HK$30,512
baseline
▲ 0.50% · 4.625%
HK$32,121
+HK$1,609/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$61,024/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,358
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,302
−HK$960/mo
Today · 4.125%
HK$32,262
baseline
▲ 0.50% · 4.625%
HK$34,225
+HK$1,963/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,524/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,773
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,679
−HK$919/mo
Today · 4.125%
HK$35,598
baseline
▲ 0.50% · 4.625%
HK$37,474
+HK$1,876/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,196/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,032
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,246
−HK$1,233/mo
Today · 4.125%
HK$41,479
baseline
▲ 0.50% · 4.625%
HK$44,003
+HK$2,524/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,958/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,422
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,587
−HK$1,181/mo
Today · 4.125%
HK$45,768
baseline
▲ 0.50% · 4.625%
HK$48,181
+HK$2,413/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,536/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,956 · 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).