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$21,679
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,353
−HK$685/mo
Today · 4.125%
HK$23,038
baseline
▲ 0.50% · 4.625%
HK$24,440
+HK$1,402/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,076/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,118
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,764
−HK$657/mo
Today · 4.125%
HK$25,421
baseline
▲ 0.50% · 4.625%
HK$26,761
+HK$1,340/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,842/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,015
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,824
−HK$822/mo
Today · 4.125%
HK$27,646
baseline
▲ 0.50% · 4.625%
HK$29,328
+HK$1,682/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,292/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,941
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,717
−HK$788/mo
Today · 4.125%
HK$30,505
baseline
▲ 0.50% · 4.625%
HK$32,113
+HK$1,608/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$61,010/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,351
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,295
−HK$959/mo
Today · 4.125%
HK$32,254
baseline
▲ 0.50% · 4.625%
HK$34,216
+HK$1,962/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,508/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,765
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,670
−HK$919/mo
Today · 4.125%
HK$35,589
baseline
▲ 0.50% · 4.625%
HK$37,465
+HK$1,876/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,178/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,022
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,236
−HK$1,233/mo
Today · 4.125%
HK$41,469
baseline
▲ 0.50% · 4.625%
HK$43,992
+HK$2,523/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,938/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,412
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,576
−HK$1,181/mo
Today · 4.125%
HK$45,757
baseline
▲ 0.50% · 4.625%
HK$48,169
+HK$2,412/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,514/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,725 · 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).