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$21,685
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,359
−HK$686/mo
Today · 4.125%
HK$23,045
baseline
▲ 0.50% · 4.625%
HK$24,447
+HK$1,402/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,090/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$320,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,124
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,771
−HK$656/mo
Today · 4.125%
HK$25,427
baseline
▲ 0.50% · 4.625%
HK$26,768
+HK$1,341/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$320,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,022
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,831
−HK$823/mo
Today · 4.125%
HK$27,654
baseline
▲ 0.50% · 4.625%
HK$29,336
+HK$1,682/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$55,308/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,949
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,725
−HK$788/mo
Today · 4.125%
HK$30,513
baseline
▲ 0.50% · 4.625%
HK$32,121
+HK$1,608/mo
Deposit HK$3.80M · loan HK$5.71M · min. income ≈ HK$61,026/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,359
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,303
−HK$959/mo
Today · 4.125%
HK$32,262
baseline
▲ 0.50% · 4.625%
HK$34,226
+HK$1,964/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$320,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,774
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,680
−HK$918/mo
Today · 4.125%
HK$35,598
baseline
▲ 0.50% · 4.625%
HK$37,475
+HK$1,877/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$320,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,033
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,247
−HK$1,233/mo
Today · 4.125%
HK$41,480
baseline
▲ 0.50% · 4.625%
HK$44,004
+HK$2,524/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$82,960/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,423
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,588
−HK$1,181/mo
Today · 4.125%
HK$45,769
baseline
▲ 0.50% · 4.625%
HK$48,182
+HK$2,413/mo
Deposit HK$951K · loan HK$8.56M · min. income ≈ HK$91,538/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,982 · 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).