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$21,666
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,340
−HK$685/mo
Today · 4.125%
HK$23,025
baseline
▲ 0.50% · 4.625%
HK$24,426
+HK$1,401/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$46,050/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,103
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,750
−HK$656/mo
Today · 4.125%
HK$25,406
baseline
▲ 0.50% · 4.625%
HK$26,745
+HK$1,339/mo
Deposit HK$4.75M · loan HK$4.75M · min. income ≈ HK$50,812/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$320,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,999
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,808
−HK$822/mo
Today · 4.125%
HK$27,630
baseline
▲ 0.50% · 4.625%
HK$29,311
+HK$1,681/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$55,260/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,924
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,700
−HK$787/mo
Today · 4.125%
HK$30,487
baseline
▲ 0.50% · 4.625%
HK$32,094
+HK$1,607/mo
Deposit HK$3.80M · loan HK$5.70M · min. income ≈ HK$60,974/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$320,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,332
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,276
−HK$959/mo
Today · 4.125%
HK$32,235
baseline
▲ 0.50% · 4.625%
HK$34,196
+HK$1,961/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$64,470/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,745
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,650
−HK$918/mo
Today · 4.125%
HK$35,568
baseline
▲ 0.50% · 4.625%
HK$37,443
+HK$1,875/mo
Deposit HK$2.85M · loan HK$6.65M · min. income ≈ HK$71,136/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$320,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,999
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,212
−HK$1,232/mo
Today · 4.125%
HK$41,444
baseline
▲ 0.50% · 4.625%
HK$43,966
+HK$2,522/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$82,888/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,386
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,549
−HK$1,181/mo
Today · 4.125%
HK$45,730
baseline
▲ 0.50% · 4.625%
HK$48,140
+HK$2,410/mo
Deposit HK$950K · loan HK$8.55M · min. income ≈ HK$91,460/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$320,160 · 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).