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$24,435
+HK$1,401/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$320,538 · 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$26,755
+HK$1,339/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$320,538 · 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$320,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,935
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,711
−HK$788/mo
Today · 4.125%
HK$30,499
baseline
▲ 0.50% · 4.625%
HK$32,106
+HK$1,607/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$320,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,345
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,288
−HK$959/mo
Today · 4.125%
HK$32,247
baseline
▲ 0.50% · 4.625%
HK$34,210
+HK$1,963/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,494/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,758
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,663
−HK$919/mo
Today · 4.125%
HK$35,582
baseline
▲ 0.50% · 4.625%
HK$37,457
+HK$1,875/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$320,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,014
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,228
−HK$1,233/mo
Today · 4.125%
HK$41,461
baseline
▲ 0.50% · 4.625%
HK$43,984
+HK$2,523/mo
Deposit HK$951K · loan HK$8.55M · min. income ≈ HK$82,922/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,403
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,567
−HK$1,181/mo
Today · 4.125%
HK$45,748
baseline
▲ 0.50% · 4.625%
HK$48,160
+HK$2,412/mo
Deposit HK$951K · loan HK$8.55M · min. income ≈ HK$91,496/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,538 · 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).