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$21,675
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,349
−HK$685/mo
Today · 4.125%
HK$23,034
baseline
▲ 0.50% · 4.625%
HK$24,436
+HK$1,402/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,068/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,113
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,760
−HK$656/mo
Today · 4.125%
HK$25,416
baseline
▲ 0.50% · 4.625%
HK$26,756
+HK$1,340/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,832/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,010
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,819
−HK$822/mo
Today · 4.125%
HK$27,641
baseline
▲ 0.50% · 4.625%
HK$29,323
+HK$1,682/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,282/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,936
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,712
−HK$787/mo
Today · 4.125%
HK$30,499
baseline
▲ 0.50% · 4.625%
HK$32,107
+HK$1,608/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,998/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,345
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,289
−HK$959/mo
Today · 4.125%
HK$32,248
baseline
▲ 0.50% · 4.625%
HK$34,210
+HK$1,962/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,496/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,758
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,664
−HK$918/mo
Today · 4.125%
HK$35,582
baseline
▲ 0.50% · 4.625%
HK$37,458
+HK$1,876/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,164/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,015
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,229
−HK$1,233/mo
Today · 4.125%
HK$41,462
baseline
▲ 0.50% · 4.625%
HK$43,984
+HK$2,522/mo
Deposit HK$951K · loan HK$8.55M · min. income ≈ HK$82,924/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,404
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,568
−HK$1,181/mo
Today · 4.125%
HK$45,749
baseline
▲ 0.50% · 4.625%
HK$48,160
+HK$2,411/mo
Deposit HK$951K · loan HK$8.55M · min. income ≈ HK$91,498/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,550 · 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).