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$21,649
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,323
−HK$684/mo
Today · 4.125%
HK$23,007
baseline
▲ 0.50% · 4.625%
HK$24,407
+HK$1,400/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,014/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,085
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,731
−HK$655/mo
Today · 4.125%
HK$25,386
baseline
▲ 0.50% · 4.625%
HK$26,724
+HK$1,338/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,772/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$319,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,979
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,787
−HK$821/mo
Today · 4.125%
HK$27,608
baseline
▲ 0.50% · 4.625%
HK$29,288
+HK$1,680/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,216/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,902
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,677
−HK$786/mo
Today · 4.125%
HK$30,463
baseline
▲ 0.50% · 4.625%
HK$32,069
+HK$1,606/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,926/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$319,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,309
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,252
−HK$958/mo
Today · 4.125%
HK$32,210
baseline
▲ 0.50% · 4.625%
HK$34,170
+HK$1,960/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,420/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,719
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,623
−HK$917/mo
Today · 4.125%
HK$35,540
baseline
▲ 0.50% · 4.625%
HK$37,414
+HK$1,874/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,080/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$319,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,969
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,181
−HK$1,232/mo
Today · 4.125%
HK$41,413
baseline
▲ 0.50% · 4.625%
HK$43,933
+HK$2,520/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$82,826/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,353
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,515
−HK$1,180/mo
Today · 4.125%
HK$45,695
baseline
▲ 0.50% · 4.625%
HK$48,103
+HK$2,408/mo
Deposit HK$949K · loan HK$8.54M · min. income ≈ HK$91,390/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$319,431 · 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).